Examine the following yield curve from Monday. What do we expect the two-year rate to be five years from now? Assume zero-coupons. 1yr 4.03 2yr 3yr 5yr 7yr 10yr 20yr 30yr 3.96 3.94 3.75 3.69 3.57 3.83 3.59 Based on the yield curve, do you expect mortgage rates to rise or fall? How does this affect your choice of a rate/point combination?