I like to say that I am one good Lottery Scratcher away from ditching this daily Commentary gig and starting something new. All kidding aside,

Technology adapts. My spam has gone from car warrantees through home warrantees to texts from random numbers saying, “Want to grab some Chinese tonight?” or

“A clear conscience is usually the sign of a bad memory.” How’s your memory of rates, and what you did when they moved higher? 30-year

Welcome to the 4th quarter. Remember when, in 2024, the informal slogan for many in our biz was, “Stay alive ‘til ’25!”? (’27 isn’t expected