Critics outside of our industry say that the mortgage biz is dull, mature, and has become unstable. Those inside of it, however, know differently, and see it as an ever-changing kaleidoscope of exciting changes, incredible innovation, and complexities rivaling the Apollo Program. Originators are always focused on borrower trends, and pollster Larsen, Golden, & Miller released the results of its latest survey done by its blue ribbon commission, somehow reaching people on their