Whale Watcher

Oct 21, 2026 · bearish

(https://www.cnbc.com/2026/10/21/mortgage-rates-drop-for-the-first-time-in-2-months-but-demand-falls.html) for the first time in two months, but pending home sales kept tanking anyway. That's not a market timing miss — that's a demand destruction signal. When rate relief doesn't bounce housing, the problem isn't the cost of capital anymore. It's household balance sheets.

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