The price of oil continues to decline–now at $30.75 per barrel. The price of a barrel of oil has dropped over $2 this morning. The DOW which was up almost 200 points earlier is now clinging to a 24 point gain since the opening bell. Mortgage Bonds are a naturally safe place to park your billions if your investment dollars need a reprieve from the politically-charged, super volatile oil industry. Mortgage pricing has risen as a result, making a case for lower interest rates ahead. The latest projections are for two, 0.25% Fed hikes this year, while the Fed itself is anticipating four. This is getting interesting.