With the experts still hedging towards a start of FED TAPERING, at least a little, to test the waters. You can expect rates to rise. We have seen the issues in Egypt, now Syria, and less than perfect job numbers last week, and still no marked movement in rates. While there is plenty to worry about an economy that is still only at @ 75%, we are seeing improvement. The FED initially tested with "Taper Talk" and now the will start with Taper Testing. Expect about a 10 billion reduction in the FED'S monthly bond buying, and HIGHER RATES...LOCK NOW