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images dresses pretty makeup and Mark. makeup; green eyes.mariner555503-27 07:26 AMUnfortunately, there are no simple answers. Mortgage rates are tied to 10 year bond rate, so they generally are not affected much by short term fed rate. With credit crunch, bond market is in real bad shape. Fed is trying to supply short term funds to ease this crunch. I don't know how low Fed will go for this.