Welcome!
Right on Lou!
Are you whiners sure you should be in the real estate/mortgage business? Your "positive attitude" is underwhealming at best. Perhaps you would be better suited for a nice safe civil service job or some other "handout" work. For decades the adage is "smart money buys on bad news." The bad news in this situation is the opinions and attitudes of negative nellies like you. Great job Bernice! Keep it up.