http://www.mortgagenewsdaily.com/mortgage_rates/blog/283264.aspx- Business Conditions -10.7 vs +2.0 consensus, +5.7 Oct - New Orders -4.6 vs -0.6 Oct - Employment -6.8 vs -10.7 Oct - Philly Fed says &quot;influence of Storm Sandy evident in firm&#39;s responses &quot;Firms responding to the November Business OutlookenCommunityServer 2008 SP2 (Build: 31106.96)http://www.mortgagenewsdaily.com/mortgage_rates/blog/283264.aspx#283316Thu, 15 Nov 2012 20:36:38 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:283316Bones 322A few lenders repriced this afternoon into the &quot;improve&quot; range. <div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=283316" width="1" height="1">http://www.mortgagenewsdaily.com/mortgage_rates/blog/283264.aspx#283300Thu, 15 Nov 2012 19:00:56 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:283300Bones 322104-28 on FN 3.0s (DEC) at appx 2pm EST. Opening levels were around the 104-24 range (give or take a plus to a tick plus depending on when you priced). Bernanke suggests Mortgage Lending Standards are &quot;Overly Tight&quot;, &quot;Pendulum has swung too far&quot;. I have to agree - the carelessness that got the industry into the Subprime Meltdown and the Financial Crisis were put too much under the radar. So much that companies got out of the business because they didn&#39;t want to spend the additional Capital or Human Resources to keep the business rolling with all the red tape. http://www.federalreserve.gov/newsevents/speech/bernanke20121115a.htm <div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=283300" width="1" height="1">