Bonds are now at +12/32 and falling. Our market is flat. Oil is at 69.12 after hitting $70!! It should back off after damage assessment is done. Tuesday brings Consumer Confidence (expected DOWN) and factory orders (expected Down). We are starting to see a hole in the housing dam. Watch out for any sudden shifts in indicators or economic news because it will drive our rates up faster than you can blink your eye. Stay locked and stay happy.