2.12 average rate sheets per day tells you enough. Lock and then sit back and time the next dip...should it ever come!

Been a Dan fan for a while. His slightly contrarian view makes for much more interesting reading than the continual baa-ing of many columnists out there...

I like the Aristotlean thinking applied to interest rates.

Thanks again Todd never a dual moment in your blog. I have learned so much. But I have to say that commen sense says that rates come and go and we dont know why, they are unperdictable and lock in the morning and if you need to re submit later I guess you can always do that.