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Then VP Al Gore supposedly said, "It isn't pollution that's harming the environment. It's the impurities in our air and water that are doing it." Here in San Diego (current low temperatures in the high 40s), residents are very pleased about a new wastewater treatment plant being built south of the border, since SD has suffered beach closures for years due to effluent flowing north. Effluent aside, much of the mortgage talk here is about repurchases and early pay off penalties, as well as how independent mortgage banks (IMBs) have not been retaining servicing but instead have not only been selling everything servicing released to the usual correspondent suspects, but also selling the servicing they had retained during 2020 and 2021 in order to cover their origination costs. The lack of inventory is an issue, of course. Speaking of which, up north, between San Francisco and Lake Tahoe to the east, along Highway 80, 20,000 homes for 50,000 people

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