Are you gradually eating dinner earlier? Join the trend. Want to know another trend that isn’t so benign? Along the lines of the STRATMOR piece below, I received this email over the weekend. “Rob, I’m a processor at a lender who was doing about $80 million a month in 2020 and 2021 but is now doing $15 million. We saved money during those years and retained servicing. But now we’ve eaten through our savings, sold all of our servicing, had some Agency buybacks, and are barely breaking even. We’ve moved to entirely best-efforts execution, outsourced as much as we can, are continuing to lay people off, and are shedding unused, expensive technology. Where will we go from here?” That is a rough note, but, if it is any help, you’re not alone out there. It’s going to be a difficult autumn and winter, and lender management not doing anything is similar to an ocean swimmer being caught in the waves while everyone is telling them to swim out