He's a legend and will always be a legend, and I for one have him to thank.

Way before it was popular, he said that I could go far in this business. He kept saying I'd be president and then I said I'd be state president. He encouraged me, and I never thought that I, a little boy from Brooklyn, New York, could do those things. Mel was always ahead of the curve.

I would say that every person who is successful in the mortgage and title business, Mel had an influence on.

He had that insight way before it came about.

I believe the ad we currently have submitted will be rejected. When this happens we will have to decide to either go back to the cutting room floor, or raise the white flag.

Without those checks and balances, there will be abuses.