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Agree 74, I have read so many financial reports that all point to what has been happening in the stock market the last 30 day were it goes up one day and down the next day. This happen in 2007 to 2008 down turn. 2015 is doing the same and everyone is pointing to April to July of 2016 for the next big down turn in the markets and mortgage banking. They are all saying that the market will lose from 30 to 50% and the housing mortgage lose will be 2X the amount of 2008, about 2 Trillion dollar lose.