Bonds are now at 16/32 and our market is better by .20 PMI came out at 49.2 (down BIG TIME). HMMM , maybe the economy is slowing down. Ride these rallies and lock on them because once Inflation kicks in rates are going to skyrocket up. You should be having rate changes if your rates came out early this AM. Once gas prices start to be passed on into our pricing of products and services we will start to be shocked at the price increases and tighten our spending and the whirlpool begins.