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Here in Honolulu, talk among those gathered for the MBA Hawai’i annual conference includes the rise in adjustable-rate mortgage lending by depositories, and the impact of inflation, and the Federal Reserve fighting it, on home loan rates and interest rates in general. Inflation is everywhere. Here’s your tip-of-the-day: go buy some Forever Stamps from the Post office as postage prices are going up in early July. If you think that you have it bad, on a year-over-year basis, freight and building materials prices increase in May means they were up 36.3% for the year! These price increases certainly argue for doing things more efficiently. Ever heard of modular housing developer TopHat? Me neither, perhaps because it does business in the United Kingdom. But the Goldman Sachs-backed housebuilder is going to build Europe’s largest home factory in the U.K. and be able to produce 4,000 homes a year. (Recall that Goldman also bought an entire community in Florida.) Yes, the ....