Just a heads up as we've fallen about 4/32nds rather recently.  We're at or near lows with the 5.5% FNMA MBS at 99-17.  There seems to be some resistance to drop below 99-16 so far this morning.  If we break that floor, locking short term would be advised.  Even now, certain lenders that may have priced more aggressively may be considering a small reprice for the worse.