I am happy that you have provided this clarification. The terms “religion“ and “mandate“ do not mean the same thing. Mandates can change. Some people change religion. But that is another matter.
In the early 1990s and in the first years of the following century, the tightening that occurred was, in the opinion of some, premature. Things went up and then fell back. The exact same thing was done in the early 2000s with the federal funds. I am leery of ten-year timeframes. We are early in the year 2010, and I would not like our successors or myself to be able to say, ten years down the road, that we went too fast in 2010-11. That is one of my fears.