California has reinstituted its mask mandate. No one is interested in living in isolation again. Remember, “Your quarantine alcoholic name is your first name followed by your last name.”? Simple. Life doesn’t have to be complicated. What are the ingredients of Frito-Lay’s Corn Chips? Corn, corn oil, and salt. But technology, and compliance, are anything but simple. If you’re not set up for a “cybersecurity audit,” you should be. Vendor management is its own discipline, but as a lender you are responsible to regulators for your vendor’s adhering to regulations. How are you monitoring your service providers? What are they, and you, going to do in the event of a data breach? Is your advertising compliant in terms of print size, color, and placement