Wasn’t it just New Years Eve? Time flies, this morning Punxsutawney Phil "saw" six more weeks of winter, and “the IMB” is already here. What is the chatter in the hallways at the MBA’s Independent Mortgage Banker’s conference in Florida? “Holy smokes it's cold in Florida (Jacksonville’s low is 26 F today; everyone is bundled up to even go to the hotel lobby). The Ritz is relatively small, so the room block sold out quickly. As a result, many people are staying at hotels in th