Anyone who has been watching or studying the financial picture lately realizes that things have been a little challenging in the Real Estate and Lending business. Guidelines that once changed every few weeks are now changing daily. I have been accused, in the past, of being the last person standing (or going down with the ship) during difficult situations. Some might think of thisas foolishness, but I take that as a compliment. When I give my word, I do everything in my power to keep it. Sometimes the situation hasn't always work out as I had hoped and I have, at times, taken some hits, but I always know that I gave it my best. As Ulysses S. Grant stated, I don't intend to ever look back, only to get better through life's challenges, and to move forward until I have accomplished my intended task.