Einstein dies and goes to heaven.

"I'm terribly sorry," says St. Peter, "but your suite is not quite ready yet and you'll have to spend a week in temporary quarters."

Arriving at the dorm, Albert finds he'll be living with three other gents.

"Hi," says the first man, "we're well-matched as I have an IQ of 180."

"Great," says Al, "we can discuss quantum physics."

The second man says hello and mentions he has an IQ of 159.

"Well, we can discuss the latest mathematical theories," says Einstein.

The third introduces himself and says, "I'm honored to meet you sir, but my IQ is only 85."

"No problem," says Einstein. "So tell me, where do you think interest rates are heading?"