Einstein dies and goes to heaven only to be informed that his room is not yet ready. "I hope you will not mind waiting in a dormitory. We are very sorry, but it's the best we can do and you will have to share the room with others" he is told by the doorman.
Einstein says that this is no problem at all and that there is no need to make such a great fuss. So the doorman leads him to the dorm. They enter and Albert is introduced to all of the present inhabitants.
"See, Here is your first roommate. He has an IQ of 180!"
"Why that's wonderful!" Says Albert. "We can discuss mathematics!"
"And here is your second roommate. His IQ is 150!"
"Why that's wonderful!" Says Albert. "We can discuss physics!"
"And here is your third roommate. His IQ is 100!"
"That's Wonderful! We can discuss the latest plays at the theater!"
Just then, another man moves out to capture Albert's hand and shakes it. "I'm your last roommate and I'm sorry but my IQ is only 80."
Albert smiles back at him and says, "So, where do you think interest rates are headed?"