Interest rates were down to 3.75% this morning. It's getting hard to find a rate over 4%. This combined with the 30% drop in oil are very ominous signs. If things were getting better - rates would be higher. It's just the bottom line. And most people finally seem to think there is going to be some disinflation. I've been saying for months - if higher oil prices bring inflation - what do lower oil prices bring? Now we get to see how low oil goes. Where it stops - no one knows.