The (https://www.cnbc.com/2026/08/19/mortgage-demand-stalls-along-with-interest-rates.html) while 10Y Treasury yields are at decade-high levels — and the market is still pricing consumer discretionary as if home equity is flowing. Here's the transmission: housing turnover down → no equity extraction → no home improvement urgency → WMT's grocery operations face headwinds from collapsed home improvement cycles.

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