Uncle Ben now reading prepared speech in Charlotte, NC. Tsy's tanking to lows of day, Dow has been rallying. MBS undecided, but took a sharp dive towards lows, and have since stabilized moderately. Due to tradeflow, we wouldn't expect 4.0's to dip much below 100-00 today, and so far that is holding true, but just be aware of the choppiness and the fact that it may cause some lenders to reprice for the worse.