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People just are more ready to start over there. i think because they are newer, you know, residents of the state. the rate itself isnt necessarily determinant. its just how people feel about the economy. thats pretty much set by labor day. this year it might be set earlier. >> shannon: charles, we can get to topic three. >> the rate itself is not the key. its the rate of change. its going in the wrong direction. it rose. that is what i think hurts obama. the chief economist of credit suisse said...