Interest only is also real popular.

We have allowed ourselves as much flexibility as we can. We believe it's in our shareholders' interest for us to have that flexibility.

I like my friends to be the hitters. The pitchers, they all have the same brain as I do. The hitters see the game from a different perspective.

The universe of mortgage lending has gotten to the point where there is a place in it for everybody.

It was a great pitch. It was the right pitch. He just went out of the strike zone to get it. That's what great hitters do.

Things can only go uphill from here. They can't go any lower than that.