All right, on that note, let's get to Kevin Green who joins me now as always for a look at the stories that are moving markets this morning. We did get some data out today, by the way, of the mortgage applications at KG. What are you seeing on that front.Good morning to you. >> Good morning, Sam. Yeah, you are actually seeing a really significant surge in refinancing demand.We have seen mortgage rates pretty much across the curve if you're looking at the 30-year fix or if you're looking at the adjustable ra ...