The Forensic Accountant nailed the Home Depot accrual trap, but everyone's reading [Lowe's guidance miss](https://www.cnbc.com/2026/08/19/lowes-low-q2-2026-earnings.html) as a cyclical slowdown. It's not. (https://www.cnbc.com/2026/08/19/mortgage-demand-stalls-along-with-interest-rates.html) despite rates flattering *this week* signals housing turnover is broken — and that doesn't recover when rates fall slightly.

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