Sounds like the Federal Reserve Board in there almighty pursuit of the "imaginary inflation" that they have been so good at being able to stifle by raising rates so everyone upstream from the bank has to make the adjustments to break even. And since all of the Fed members are required to wear those wrap around sun blocking glasses, they just don't see the affect on the entire country- maybe there will be a shortage of title examiners and then prices for our work will naturally go up, just like the oil companies do- start a rumor or issue a press release of some kind event that will create a false sense of a shortage and the inevitable increase in prices, whether real or not.