1.   All well and good, say large institutional investors and corporate governance specialists.

2.   And the view for the economy is darker than it was last year, say investors and economists.

3.   Bond investors are already counting on another cut as early as March, judging by the difference between yields of U.S. Treasury securities, say investors and traders.

4.   A missed or delayed payment would roil the financial markets almost immediately, say investors and traders.

5.   Even so, there are still obstacles to lower rates, say investors and traders.

6.   Fitful growth and a low inflation rate could prompt the Federal Reserve to lower interest rates several more times by the middle of the year, say investors.

7.   If governments borrow less, the cost of borrowing -- namely, interest rates -- might decline, lifting bonds, say investors.

8.   In that case, the Fed may not cut rates at all this year, say bond investors.

9.   Mounting evidence that the economy is rebounding, raising the risk of inflation, may prevent interest rates from falling in the next few months, say investors.

10.   Once rates steady, those high yields will make mortgage-backed securities a much safer bet, say investors.