You may have heard me say this before, but nothing goes down in a straight line. That's why you really should just ignore the undulating headlines that continually pepper the papers from coast-to-coast. Trying to follow them will unquestionably cause motion sickness and bouts of extreme annoyance. Well, to illustrate these ups and downs that always seem to land more to the downside than the up, it's helpful to look at the results posted by Lender Processing Services ("LPS") who maintains a loan level database that is said to cover 70 percent of the market. And away we go...

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