To me the slate looks like fall is dedicated to healthcare, then late fall/winter will be amnesty or some substantial immigration reform. After that pending no more largescale political issues it may start. However another part of me says that rates cannot move to much with the current level of unemployment and waiting until the 2010 elections are over may not be a bad idea either. So there are a couple of possibilities and in no way should the be tied to politics… but to me they will be.