All right, lot to talk about here. Kevin Hanks live at the CVOE for our pre-bell playbook. Um good morning to you there live in the action.Let's talk about the housing numbers. I know um mortgage rates have been coming down. Some of the thoughts on what's going on.>> Yeah, so we got a bunch of data out this morning starting early this morning with mortgage applications. A good solid number from refinances. The composite was up 2.8% 8% with purchases down 2.7% but refinances jumped 7.1%.So a nice jump there ...