Wow. What a whirlwind of a month! As we wrap up this month, our Agenda needs to include: paying attention to details, looking around you and seeing what needs to be improved, and asking “what can I do to make a difference?”

We’ve been through 30 days of new system installation, loss of our primary production lines, changes in investor guidelines, and decreased numbers. We were profitable last month and expect to be slightly profitable this month. One month ago we were drowning in post-funding guideline changes and it was scary. Yet, we kept on keeping on. We put our heads down, took personal accountability and behaved our way out of a literal mess. Let’s recognize that the mess was two fold; ours and the industry changes.

May will bring about a lot of changes; auditors – new processes – more AUS training – new product mixes – new underwriting methods – new pricing models – new strategies – heightened need for people performance. Again, let’s recognize how overwhelming this can be and decide now how to respond.

I’ve very Purposefully picked this time to bring QBQ and Personal Accountability back to the forefront and hope that everyone embraces this tool. We have come a long way and our survival depends upon our ability to behave well. Behavior is 100% your responsibility; not blame, but leading and influencing. It is your personal choice as to how you behave. My door, email, and phone is open for questions, concerns, and discussion; seek clarity.

We'll continue to focus on the 3 processes of People, Strategy, and Operations; an important part of this is how well we perform and how we gauge our performance. We'll talk a bit about this in the 1006 meeting today.

Thank Don and Betsy for the meal today. Every month you bring us lunch on the last day of the month and I appreciate it (even when it’s girl food!) Thanks Don…and thanks Betsy for putting up with us!

Danny