The 100-28 line was at the bottom of the tolerance range for reprices today, but falling below it took us back to the lows from early this morning.  Still, lenders that priced conservatively may not reprice, and some already have.  Still, stocks are setting the tone, but be aware that spreads between treasuries and MBS are no longer holding as steady as previously today.  The 5 year is not longer a good indicator.