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Interest Rate

Monday morning quarterbacking the UMMS interest rate swaps

The criticism to University of Maryland Medical System officials for using off interest rate swaps is a classic case of Monday morning quarterbacking ("UMMS defends use of interest rate swaps," Sept. 13). The labor union official who described the transactions as a "risky financial scheme" should change careers and become an investment adviser if she believes she can accurately predict future interest rate trends. Philip Enstice, Ellicott City