I happen to be visiting Manhattan this week. Besides the news about the subway shooting, the overall “hum” of this place being unmistakable and I mention this for two specific reasons. First, the bartender trainee at the restaurant last night was from Turkey. It was her first night on the job, and she had graduated from law school in Turkey but this newly minted attorney had decided to come to the U.S. and earn money! Second, in speaking to the manager of Javelina (which I’d recommend, although the habanero queso has quite a bite), the lion’s share of its revenue comes from delivery service business, and she is thinking about shutting down the expensive actual brick & mortar restaurant and strictly doing takeout and delivery. I found both tidbits interesting from an economics perspective since a) The U.S. continues to be land of opportunity, and b) the changes brought on by the pandemic will continue to change the business landscape. Speaking of which, lenders and vendors aren’t the only sectors of our business that are seeing mergers and acquisitions or big dollar transactions. The latest announcement comes from the builder arena: Lennar will expand its portfolio into the South Carolina market with the purchase of Executive Construction Homes' finished lots and land pipeline totaling more than 3,300 lots. (Today’s audio version of the commentary is available here and this week’s is sponsored by SimpleNexus, an nCino company and award-winning developer of mobile-first technology for the modern mortgage lender. Today’s features and interview with Jay Arneja, Group Product Manager at SimpleNexus, on how eClosing improves closing processes and lender profitability.)