Let’s assume the U.S. national unemployment rate had fallen greatly. Let’s also imagine that 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 national Unemployment Report was going to be reported on the next day 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 and we have a hot job market right now. I am very optimistic about the future of the U.S. economy! But we will also carry out our standard monetary policy regarding interest rates when the economy is strong.” If you also saw that the FNMA 30-Year fixed bond price went down by 0.50 basis points late on Thursday afternoon, and that all the other national economic indicators were moving in a positive upward 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? A) With the U.S. economy getting stronger and stronger, we should advise them not to lock. B) With the U.S. economy getting stronger & stronger, we should advise them to lock now! C) With all this good news, we should advise them to lock for 90 days not 30 or 60 days. D) With all this good news, we should advise them to wait until all the economic indicators come out next month before we decide whether or not to lock the rate