It was 25 basis points, everyone knew that, and so there's virtually no stock market reaction,

The key is the stock market reaction.

Housing has peaked and we're expecting some moderate weakening in 2006. It's starting to turn into a buyers' market, with fewer buyers chasing more homes at these mortgage rates.

Stock market bubbles don't grow out of thin air. They have a solid basis in reality, but reality as distorted by a misconception.

The stock market never sleeps,even in a blinding market recession it continues to thrive for those who know how to see opportunities.

The stock market is like life,no certainty,for a company can be the best performing stock this year & the worst performing stock the following year.