Mortgage rates improved Friday as speculation of a looming government bailout of Fannie Mae and Freddie Mac continued. The stocks of both companies fell further and are now down around 90% from one year ago. Fannie and Freddie, together, account for about 70% of mortgage originations in the U.S. Analysts agree the government would not allow their failure, as borrowing costs would rise significantly and the availability of mortgage loans would be severely restricted. Oil prices surged another $5 per barrel on top of the $5 jump yesterday, reaching a new high of $146. The Dow is off over 200 points.