Freddie joins Fannie

Housingwire.com broke this last night.    Freddie is joining Fannie in instituting a "market condition delivery fee" as of March 9, 2008.   What is a market condition delivery fee?   In my own words, it's Fannie and Freddie's way of saying that the market is tough and they aren't making the money they used to and so they need to raise their prices to compensate for the risk that they are taking.   How much of a difference make?   Less than .125% on the interest rate. Read the entire article here.  So what do you think?  Are Fannie and Freddie taking the steps they need in order to survive and remain profitable?   Or are they trying to take advantage of a down market and make a little more money?   I think