we've lost another 2 ticks since last post, pushing us to the lows of the morning.  those with short term gameplans should consider locking.  BUT, although it's no guarantee, floaters will probably have access to better rates either on Friday, or some time in the following week.  So if you have a week and a half or so before needing to lock, you might consider floating. 

Just watch those stocks!  Bonds are following them like white on rice.