[Wall Street faces a new pattern of interest rates: 5% U.S. bond yields may become the norm or even the lower limit] September 25th, as U.S. Treasury bond yields break through one high after another, Wall Street and Washington are becoming increasingly aware of a reality: This may not just be a round of bond market decline, but a fundamental change. A combination of factors has pushed up the U.S. government's borrowing costs, including $100-per-barrel oil prices, a boom in investment in artificial intelligence, and a huge U.S. budget deficit that has pushed the debt to a record $40 trillion. At the same time, the Fed remains determined to tamp down inflation that has been running above target for years. Today, nearly all benchmark Treasury bond yields in the United States are hovering around 5% or higher, with the five-year Treasury yield crossing 5% for the first time since 2007 on Wednesday.