You host, David Lykken, will be speaking at the annual Arizona Mortgage Lenders Association (AMLA) convention on the topic of "The Future Of Mortgage Banking". So on today's "hot topic" segment David is going share with you our listeners some of the content from his speech. We will of course be covering our topics… rates, legislative update and the "Profit Doctor" segment. Tune and tell your friends and Associates to do the same.