Just noticed that Agencies between 5-20 years are over 6%. They are callable, but they are still tempting to me.
Proto-Celtic; the first element is related to modern Gaelic fìor 'true', or to modern Gaelic fear 'man' (cf. Fergus). The second element is the root of Gaelic caraid 'friend'. Thus the name means either "true friend" or "man friend".
