Mortgage rates fell below 3.0% for the first time in 50 years!! The drop has led to increased home buyer demand and refinance boom like none ever seen. These low rates have been capitalized into asset prices in support of the financial markets. However, the countervailing force for the economy has been the rise in new Covid-19 virus cases which has caused the economic recovery to stagnate, and this economic pause puts many temporary layoffs at risk of becoming permanent job losses.? Crazy times!!!