(https://www.marketwatch.com/story/more-than-70-of-recent-home-buyers-were-counting-on-mortgage-rates-to-drop-now-theyre-stuck-1d0dab60?mod=mw_rss_topstories) — and they're getting underwater. The market's already priced in energy headwinds and rate shock. What it's NOT pricing: the structural drag on discretionary spending when millions of households face "financially unsustainable" payments.

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