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they are signaling that it has happened. the markets have internal liesed the possibility of a down grade. at the end of the day, there is nothing that hasn't happened that creates new information about the quality of u.s. treasuries. it is a blow to confidence, but it is not really telling the market anything we don't already know. >> as far as the things we are hearing about the interest rates going up, mortgage rates going up, what can you tell us about that? is that a legitimate worry right now? >> i think in the medium term, it is definitely a concern. we are trending toward hig...

liesed the possibility of a down grade. at the end of the day, there is nothing that hasn't happened that creates new information about the quality of u.s. treasuries. it is a blow to confidence, but it is not really telling the market anything we don't already know. >> as far as the things we are hearing about the interest rates going up, mortgage rates going up, what can you tell us about that? is that a legitimate worry right now? >> i think in the medium term, it is definitely a concern. we are trending toward higher borrowing costs, not only for the average consumer, but also fo...