???? ??????? ??? ?????? ????????? ???????? ??? ???? ?????? ??????? ???? ?? ???? ??????? ??? ??????? ???? ?? ?????? ???? ?? ???? ???? ??????? ??? ?????? ????????? ?? ?? ???? ??? ?? ???? ?? ???? ???? ???? Aswath draws on empirical reports to discover seasonal and temporal consequences in rates, more than calendar months (like the \"January effect\")