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If you don't expect anything good to happen for the bond market for the next few months, I guarantee you won't be disappointed. If, however, you expect to see a normal amount of resilience and a continued willingness on the part of rates to operate with a 3% handle in the 30yr fixed mortgage world, I cannot make that same guarantee. Grim stuff, I realize, but fortunes wax and wane when it comes to big-picture bond market momentum. Fortunes waxed bigtime throughout 2019 and it increasingly looks like the bill is due. If you're new to my commentary, this narrative has been in place since mid October when rates failed to make it back to September's lows. All of the above having been said, I can't unequivocally guarantee that we've entered a new rising rate trend that will last at least another