i've heard people say that untithe unemoyment rate peaks we're not ing to see a hiken rates. do you agree with that and is that theerception in the market rht now? >> i ink the way you described it is exactlywhere wall seet and the economist are. they thinkhe middle of next year at the earliest for the fed to rae rates. someeople are saying not until thend of next year. but i don't think anyf those mean anying in terms of what you describe, it's all u to the jobs picture. until jobs turn around, i think the federal reservwill be lott to do anything to encourage ople not hire people. i think they wt jobs creat, t this economy going. >> i wt to touch for a nute on this morning backed secuties question. it's a ltle technical. t for people at home, it too late if theyaven't already to refinancen terms of getting the st rate that you possibly could becau of today's ws? >> i don't thin so, suzanne. i think at the federal reserve is sayin is there gointo be around a little longer to try to make the transion to their getti out of thi business, and as you say it's inside basebl, but t