On 1/2/07 a 3mo. was 5.07%, a 2yr. was 4.80% , a 10 yr. was 4.68%, a negative yield curve. Today a 3mo. is 4.06%, a 2yr. is 4.15% and a 10yr. is 4.67%, a positive yield curve. It began to improve in July and shifted greatly with the rate cut. Bank earnings will be going up and the stock prices should follow.