>> neil: rates are going up, the stocks are going down. the dow is now in correction status. i want to give you an idea of what we mean by rates backing up. not to prohibitive levels. not to levels that i can remember, but again, not at the 18.6% that it used to be to fetch a 30-year mortgage in october 1981. this is what it's averaging now. 4.3%. the issue seems to be that they don't know how much higher we can go. probably not likely to that 18.6% level. but again, not re-visiting the old level where you could get a