I'm not buying it just yet, but anything is possible. The great interest rate debate is on. Are higher rates necessary or are lower rates going to continue to rule the day? Will fear among the banks lending continue to spike (to like some realistic level that is not supported by swaps and all the free money you can carry home in your wheelbarrow)? Bottom line is the banks will do what is best in their interest and not yours. 2 fibs are provided.