"But I think if they go out of business, you'll see rates on other airlines double and triple."

Middle-class families also saw lower rates with 67 percent enrolling in college immediately.

Economists see key rates declining to perhaps 14 or 15 percent, but not much further.

It will be some time, however, before travelers see lower rates for package tours.

And I think the market will need to see rates back up a bit in order to take on the five-year.

But Americans tend to see higher rates as trade barriers.

Looking further out, these investors see short-term rates falling to 2 percent by the end of the year.

Soon, though, he began seeing even more attractive rates advertised on the Internet.

"Everybody seems to agree you're about to see lower rates and a slower economy," he said.

"We see rates of mental illness running around 30 percent nationwide and about the same for alcohol abuse," she said.