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When I see lover’s names carved into the wood on a tree, I don’t think it’s sweet. I just think how surprising it is how many people bring a knife on a date. Time passes, life goes by fast, first dates turn into long-term relationships, a hot summer has been forgotten, turned into a beautiful autumn, and turned into an arctic winter. Time has passed, and it is nearly Christmas Eve. Ya’ll sick of Christmas carols (again)? The Winter Solstice has occurred, meaning that the minutes of daylight will only increase for the next six months in the northern hemisphere. People are planning for 2023, as if the calendar changing from December to January will have an impact on rates, volumes, margins, or revenue. Augie Del Rio with Gallus Insights did a video interview with Tammy Richards and me about how lenders and vendors are reacting to the end of 2022 and the beginning of 2023. (Gallus Insights helps lenders make data-driven decisions.) And before we know it, Wi-Fi

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