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Today, 20211202 (2nd December 2021), is a palindrome in the YYYYMMDD format. That aside, sorry the commentary is a little late this morning: I went out drinking after my yearly review with my cat Myrtle last night. It did not go well. By the way, she is the one that reviews my performance; I don’t review hers. Now I’m on some kind of quarterly evals going forward: my revenue barely covers her line-caught halibut expenses, and those expenses have been increasing. (Versus that information, of real use is SoFi’s 3-minute video by Hamaria Crockett with a few tips on how to take the guesswork out of reviews and negotiate with your employer.) Declining revenue and increasing expenses are also the norm for independent mortgage banks and mortgage subsidiaries of chartered banks. The

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