Bonds improved this morning to offset deterioration from yesterday afternoon.  So far we have not seen improved rate sheets.  Stocks were down this morning but have come back towards break even.  In economic news June Personal Income, Spending and the Personal Consumption Expenditure (PCE) Index all came with 0% change vs expectations for a .1% increase in Income and the PCE Index.  June's Existing Home Sales were down 2.6% which was better than the 5% decrease expected.