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NetNet’s public materials describe the protocol as a reserve manager for NET, with a treasury containing assets that include the USDG stablecoin. 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Sellers disagree.-- 7% mortgage rates are already here, some buyers and mortgage experts sayStock market warningsFrom the end of 2020, the S&P 500 returned nearly 124% through Sept. 3, with dividends reinvested. The index hasn't had a down calendar year since 2022. September has been the weakest month for the index, historically.This is turning out to be another decent year for the broad U.S. stock market, with the S&P 500 SPX returning 14% through Thursday, while the Dow Jones Industrial Average DJIA has returned 13% and the Nasdaq Composite Index COMP has returned 14.8%, all with dividends reinvested.Here's a look at year-by-year returns since the end of 2020:Total returns                        S&P 500  Dow Jones Industrial Average  Nasdaq Composite Index. End of 2020 through Sept. 3, 2026     123.7%                         95.4%                  114.9%. Source: FactSetThe chart above may appear to be rather smooth at first glance, but the S&P 500 declined 18.1% 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