ITS ALL TIED TO L.I.B.O.R. WHY THE BANK OF LONDON??? SOMEONE IS MAKING A KILLING ON THE SPREAD-THING IS MORE PEOPLE DEFAULT WHEN RATES ARE HIGH-LESS EQUITY BUILDING-MONEY GOES INTO BANKS COFFERS/SHAREHOLDERS POCKET! REDUCE FIRST TIME HOMEBUYER RATES AND SMALL BUSINESS RATES TO 3% 3% 3% 3% 3% IT WILL END THIS WHOLE MESS OH AND A WORLDWIDE BUILDING MORATORIUM FOR A YEAR!