Steve,
Not questioning your system and I greatly respect your work. I work in the subprime mortgage industry. It's going from bad to worse interms of selling loans for a profit. It's almost impossible to do. That is isn't the problem. I see a bigger train wreck coming to the credit markets and the defaults will continue to increase in this arena. The falling of Treasury yields might be the one saving grace to both the equity markets and might put a small floor under the subprime market as well.
OK, now that I have predicted doom and gloom, let's get out there and enjoy the weather.