Bonds are at +13/32 and drifting down from their high of +22/32. Mixed signals from the indicators. Claims were up to 350K, Personal Income up .3, Spending up .5 (spending more than we make!) Factory order level +.2. THE BIG NEWS is once again oil going up over 1 dollar taking the stock market down which is good for us. Our market is improved about .10 -.15 basis points but may fall off any news shifts the stock market around . Rates are still great compared to what they could and will be!. Have a great day and lock a lot of loans.