Do I really need to remind you that the US stock market is at 12 year lows. Is it my imagination or is the FED trying to wing it. Is it my imagination that the most people are starting to not trust virtually anything. You tell me… but this week … new gyrations are being felt in the mortgage markets and bond markets. Institutional investors are starting to worry that the FEDs repeated modifications to its financial-rescue packages are undermining the very foundations of investing: the right of creditors to claim their assets first if a borrower defaults. If you were a lender, would you make a loan if the courts can change your mortgage agreement. This is exactly what is happening in courts through out the US.