Rates were little changed Monday despite a stock market rally. This morning, Federal Reserve Chairman Ben Bernanke, in a speech before the National Association of Business Economics, said that the Fed should continue to hold rates at very low levels to help reduce the unusually high unemployment rate. In economic news, the February Pending Home Sales Index fell unexpectedly by 0.5%. An increase of 1.0% had been forecast. No other key data will be released today.