13. As of April 2021, the U.S. has seen the unemployment rate fall substantially from mid- 2020 and the U.S. GDP is getting stronger and stronger. Let's also assume that the Chairman of the Federal Reserve Bank Jerome Powell gave a speech on the Thursday night before the Unemployment Report on Friday and said, "... all the economic indicators show that the U.S. economy is rapidly getting to the peak of where it was before the COVID crisis hit us. I am very optimistic about the future of the U.S. economy!" If you also saw that the FNMA 30-Year fixed bond went up by 0.50 basis points late in the afternoon today and that all the other national economic indicators were moving in a positive direction, then what would be the most prudent advice you would give your clients who were well qualified and almost ready to fund with respect to locking their loans for the next 30 or 45 days?