It's been  200 days since my last blog post.

In that time we got a new president, I had to become a W-2 loan originator and our economy is going to hell in a hand-basket. How many hail Mary's do I need to throw up in the air before they stick?

Try as I might, I keep rubbing these beads you gave me but the banks continue to squander their gold in the name of identifying and better defining risk.

How's about a little devine intervention this afternoon? I have an appraisal appointment this afternoon...