All is quiet in front of a long weekend. The market will close at 2 PM EDT today. Bonds are at +1/32 and our market is flat. Personal Income was up at +.7 % and spending was even at +.6 %. There is a great deal of concern about oil prices so keep your eye on them. They will effect our market and rates very easily. Michigan survey just came in up at 86.9. That will give us a slight push for the better on rates. Enjoy your long weekend and lock your loans to be covered over the weekend.