The yield on the 10-year Treasury rose close to a six-month high in anticipation of strong retail sales, reaching 3.32% in December. Mortgage rates are expected to reach 5.0% by early 2011 as the 10-year Treasury and 30-year fixed rates track each other. Oil prices have also climbed with the economic recovery strengthening, with Brent prices hitting $90.85 per barrel in December and WTI closing at $87.79, and prices may surpass $100 per barrel in the first half of next year given growing global markets and the advancing U.S. economy.