Nearly but not quite the correct quotation.Still a long way out & Covid considerations (like investment decisions) are open to the "rates may fall as well as rise" caution - or is it the other way around?
Re: Covid 19. it would appear that, at present, if you have no contact with a nursing home in Ireland, you are (relatively) safe, but, as my old classmate Gerry the Psychopath almost said: "It hasn't gone away, you know!)"