as we continue our look at fixing the economy, we'll ask paul reilly, c.e.o. of raymond james. home builders are still extremely pessimistic about the housing industry. a new survey shows confidence fell to a three-month low as prospective buyers, sales and purchase expectations declined. the market index of the national assocation of home builders fell one point, to 14, from its august level. readings below 50 mean more builders view market conditions as poor. the index has not been above 50 in more than five years. speaking of housing, expect higher lending fees from mortgage buyers fannie mae and freddie mac. their regulator said today the government-controlled firms are expected to gradually raise the amount they charge lenders in the next year. that would reduce the companies' long-term exposure to risk. fannie and freddie do not make loans, but they buy them from lenders and package them into securities that are sold to investors. they charge a guarantee fee when they buy mortgages. tonight's commentator says that when it comes to economic policy, our nation is at a fork