Our current coupon, 5.0 is moving all over the place.  Currently trading at 101-01, which is 8 ticks down on the day.  It reached a high of 101-10 and a low of 100-31.  We have a floor of support at 101-00.  Lenders priced very conservatively today, so no worries at this point for a reprice for worse.  If you havent locked your loans yet, then float as we will be able to notify you before a reprice for the worse.  It is going to be a bumpy road today, so if you cant stand the bumps, go ahead and lock and take all risk out of the equation.

We will get back to you soon.