Greetings from Little Rock, Arkansas (home of cheese dip, 1935)! George Thorogood’s music is alive and well here, and a happy 72nd birthday to he who wrote the lending anthem, “When I Do a Loan, I Prefer to be by Myself.” While George is busy celebrating his birthday week, apps plunged to their lowest level in two years, and the CFPB released a factsheet on the interest rate that is used for calculating prepaid interest under the price-based General QM APR calculation rule for certain ARMs and step-rate loans. Switching gears… Zoomed out? Me too. In person is so much better, although companies seem to be keeping pieces of technology from the work-from-home environment. For the past couple years, many of us have spent a portion of our workdays staring at screens featuring grids of their colleague’s faces. Teamflow offers an alternative. (Nope, this is not a paid endorsement.) The remote-work platform allows companies to create virtual offices with desk