stop hiking interest rates. a quarter of a percentage point, it sounds pretty significant because borrowing costs are continuing to go up. it s a slower rate than the half percentage point we saw them move by in december and the 3/4 of a percentage point they saw in multiple meetings. ed borrowing costs are going to remain on your credit cards, mortgage loans as well. mortgage rates more than doubling over the course of last year, but we re seeing some signs that maybe the cooling housing market is actually already showing signs of recovery. i spoke with one realtor in atlanta who mentioned to me demand might not have everything to do with mortgage rates. take a listen. demand has nothing to do with interest rates or anything like that. demand has to do with household formation, and so that s what they re looking at. hesitation is what happened but