Everyone received an extra hour this weekend - and don't forget that Friday the bond market is closed in the U.S. So if any company is generating a rate sheet and taking locks on the 11th, don't expect sharp pricing - the usual procedure is to take Thursday's close, see what happened in Europe, and then back things off .250 or more. Sometimes I joke about a board game titled, "Mortgage Banker Scrabble," where one draws three words out of a bin and creates a company name from them. Words like union...