No one is arguing downward pressure. We all know its there and will be there for at least a few more years. We also know the powers to be are successfully keeping rates low, supply low and stimulating demand. Their efforts have kept things afloat. There is no reason to beleive they will stop. Saying it cant go on is not a statement of fact but a hope for those wanting dramatic declines. Everything I have seen says they will keep at it in ways we cant even imagine right now. The game is rigged and always will be. We do not differ in our opinions of direction just our opinions of the degree of declines ahead.