On 3-13-03 the Wall Street Journal published an article that said that the index for mortgage applications had increased thirty per-cent above the previous high set in October 2002. Everywhere I look I read articles that say interest rates have to go up and that will kill refinancing. Well, they have been wrong for a long time now and they are wrong once again. It must be nice to be able to predict the future as you wish rather than face the facts. For the forseeable future, I predict that interest rates will stay low and the title companies will make more money. As I said before, "party on".