We have witnessed a change in our work environment. From the Central Coast of California, Jeff O. sent, “Yesterday I had convened a zoom meeting of major national programs that took two months to set up. I was disappointed when one of the key program leaders was missing. He appeared 25 mins into the meeting and apologized for being late, saying that a sink hole had appeared in his backyard and needed to wait for help to arrive before jumping on the call. It is the most unique excuse I have encountered for being late for a meeting and part of the new normal for remote work.” (Working from home or being in the office is still somewhat in flux; recall this short very humorous video about returning to the office.) Capital markets folks work from home and are back in the office, grappling with products and margins, and the current blog from the STRATMOR Group talks about how mortgage pricing is set in, ““Secondary Marketing: What They Do All Day.” (Availab