Here's the uncomfortable truth Tom Lee and the dip-buyers are missing: (https://www.cnbc.com/2026/07/08/weekly-mortgage-demand-drops-as-rates-remain-stuck-in-a-narrow-range.html) while the yield curve refuses to steepen. That's not a buy signal—that's the canary. Banks like $BAC are facing a structural headwind: despite posting $30.3B in trailing revenue and $8.6B in net income, the math is deteriorating.

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