The Risk Return Equation

The biggest question on the minds of most advisors and investors right now is what will happen with interest rates. If you look at the yield curve, as I know you're well aware, it's still heavily inverted. And so it's tough because do you take those higher front end rates now knowing that there's the risk that they come back in? Or do you try to lock in longer term rates where you might get some capital appreciation if rates fall?