{"id":52363,"date":"2009-11-28T12:23:33","date_gmt":"2009-11-28T17:23:33","guid":{"rendered":"http:\/\/mortgagenewsclips.com\/2009\/11\/28\/the-garrett-watts-report-nov-28-2009\/"},"modified":"2009-11-28T12:23:33","modified_gmt":"2009-11-28T17:23:33","slug":"the-garrett-watts-report-nov-28-2009","status":"publish","type":"post","link":"https:\/\/mereja.media\/index\/52363","title":{"rendered":"The Garrett, Watts Report (Nov. 28, 2009)"},"content":{"rendered":"<p>\u00a0<\/p>\n<p><a href=\"http:\/\/garrettwatts.com\/\"><img loading=\"lazy\" decoding=\"async\" style=\"border-bottom: 0px; border-left: 0px; border-top: 0px; border-right: 0px\" src=\"http:\/\/mortgagenewsclips.com\/wp-content\/uploads\/2009\/11\/garrett-watts19.png\" border=\"0\" alt=\"garrett-watts1\" width=\"313\" height=\"68\" \/><\/a><\/p>\n<p>To Our Clients, Colleagues and Friends,<\/p>\n<ul>\n<li>Here\u2019s a weird statistic:\u00a0 Bert Blyleven pitched 75 complete games which he lost.\u00a0 He had an excellent 3.19 ERA in those games, but his teams just didn\u2019t give him enough run support.\u00a0 Another example of not getting enough offensive support is the great Nolan Ryan.\u00a0 Ryan pitched 75 games in his career in which he allowed 2 or fewer runs, and still lost.\u00a0 His ERA in those 75 losses was 2.03.<\/li>\n<li>Here are the top eight banks by assets:<\/li>\n<table class=\"MsoTableGrid\" style=\"border-bottom-style: none; border-right-style: none; background-color: #ffff99; border-collapse: collapse; border-top-style: none; margin-left: 1.7in; border-left-style: none; -webkit-background-clip: initial; -webkit-background-origin: initial\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" bgcolor=\"#ffff99\">\n<tbody>\n<tr>\n<td style=\"padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; padding-top: 0in; border: windowtext 1pt solid;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">Bank of America<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-left-style: none; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$2.232 trillion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">JP Morgan Chase<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$2.041 trillion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">Citigroup<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$1.888 trillion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">Wells Fargo<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$1.228 trillion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">HSBC No. American<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$\u00a0 390 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">PNC Financial<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$\u00a0 271 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">U.S.<\/span><\/span><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\"><span class=\"Apple-converted-space\">\u00a0<\/span>Bancorp<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$\u00a0 265 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">Bank of New York<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$\u00a0 212 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span class=\"Apple-style-span\" style=\"widows: 2; text-transform: none; text-indent: 0px; border-collapse: separate; font: medium 'Times New Roman'; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px\"><span class=\"Apple-style-span\" style=\"font-family: 'times new roman', 'new york', times, serif; font-size: 16px\"><\/p>\n<li>Here are a few others:\u00a0 #9 Suntrust ($172 billion), #11 BB&amp;T ($163 billion), #14 Regions ($140 billion), #25 Comerica ($60 billion), #30 Huntington ($52 billion), #33 Charles Schwab Bank ($38 billion), #49 City National ($18 billion).<\/li>\n<li>Here they\u2019re ranked by deposits, with U.S. Bancorp and PNC moving up in the rankings and HSBC moving down.<\/li>\n<table class=\"MsoTableGrid\" style=\"border-bottom-style: none; border-right-style: none; background-color: #ffff99; border-collapse: collapse; border-top-style: none; margin-left: 1.7in; border-left-style: none; -webkit-background-clip: initial; -webkit-background-origin: initial\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" bgcolor=\"#ffff99\">\n<tbody>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">JP Morgan Chase<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$868 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">Citigroup<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$832 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">Wells Fargo<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$796 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">PNC Financial<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$183 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">U.S.<\/span><\/span><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\"><span class=\"Apple-converted-space\">\u00a0<\/span>Bancorp<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$169 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">HSBC No. American<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$161 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 1.5in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"144\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">Bank of New York<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 81pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"108\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; color: black; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; color: black; font-size: 10pt\">$133 billion<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span class=\"Apple-style-span\" style=\"widows: 2; text-transform: none; text-indent: 0px; border-collapse: separate; font: medium 'Times New Roman'; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px\"><span class=\"Apple-style-span\" style=\"font-family: 'times new roman', 'new york', times, serif; font-size: 16px\"><\/p>\n<li>Remember how the sub-prime crisis morphed into the mortgage crisis and then became the global economic crisis?\u00a0 Today just might be the three anniversary of when it all started. On November 28, 2006, a Wall Street warehouse lender cut off subprime lender Ownit, which then promptly failed.\u00a0 And from what we recall, that was the first such failure, a ground-zero for what was yet to come.\u00a0 Kind of an <em>apr\u00e8s moi, le deluge.<\/em>\n<li>In response to some stuff on e-mail manners, we just got this.\u00a0 \u201cIn my 20 years in the business, I think a simple <em>thank you<\/em> is one of the most important things we can teach our employees.\u00a0 It\u2019s not just e-mail etiquette; it\u2019s etiquette in everything we do. <em>Please<\/em>, <em>thank you<\/em>, and<em>you\u2019re welcome <\/em>are still important words, and thank you notes after meeting someone are always the right thing to do.\u201d<\/li>\n<p><em><\/em><\/p>\n<li>We\u2019re still puzzled by companies who do over $20-25 million a month and continue selling best efforts.\u00a0 The pick-up between best efforts and going mandatory has never been so wide.\u00a0 And those who agonize over it too long will, perhaps, finally decide to go to the party and find that the punch bowl has already been taken away, the band leaving, and nothing left but cold pizza and warm beer.\u00a0 Put another way, no one wants to be the first one at a party, but you miss all the fun if you show up too late.<\/li>\n<p><em><\/em><\/p>\n<li>Florida is the worst hit with non-performing mortgages including foreclosures, totaling 24.9% compared to 23.4% in Nevada , 18.1% in Arizona , and 16.3% in California .\u00a0 That 24.9% for Florida is just a disaster.<em><\/em><\/li>\n<li>David Stein at Residential Finance Corp. wrote us that the basket building from the last issue is in a suburb of Columbus . On our next trip, maybe we\u2019ll go see it.<em><\/em><\/li>\n<li>When growing up as teen age boys, we always tried figuring out how to be cool and be popular with girls. We read <em>Playboy<\/em> to learn Hugh Hefner\u2019s techniques, but wearing silk pajamas and smoking a pipe looked pretty idiotic for a 15 year old. We watched James Bond movies to learn how to be cool, but 16 year old boys asking for martinis stirred rather shaken was <em>really<\/em> moronic.\u00a0 The mystery has now been solved for 15 year old boys.\u00a0 If they go see <em>The Twilight Saga: New Moon<\/em>, they\u2019ll learn exactly what makes girls scream.\u00a0 We watched the first 15 minutes while waiting for <em>2012<\/em> to start, and if there were any teenage boys in the audience, they should have been taking notes.<\/li>\n<p><em><\/em><\/p>\n<li><a href=\"http:\/\/www.youtube.com\/watch?v=eZxBYItj2sM\">Here\u2019s a trailer for 2012.\u00a0 If you don\u2019t see the movie, take a few minutes and watch this preview.<\/a>\u00a0<\/li>\n<li>Despite $62 billion in loan loss provisions and $51 billion in charge-offs, the banking industry still managed to make a profit of $2.8 billion for the recent quarter.\u00a0 This shows real underlying strength and portends strong bank earnings once the economy is back to normal.<\/li>\n<p><em><\/em><\/p>\n<li>And what\u2019s going on with that warehouse lender who\u2019s raising haircuts from two points to five points and eliminating bulge lines? Has that happened to you, or are we just seeing isolated instances?<\/li>\n<p><em><\/em><\/p>\n<li>The FDIC just hit Pacific International Bank (Seattle) with civil money penalties because they failed to get flood insurance on 7 of 23 mortgage loans.\u00a0 The penalty was charged to the bank, but when it gets really ugly is when they fine individual officers and directors.<\/li>\n<p><em><\/em><\/p>\n<li>Did you know it\u2019s been 28 years since Natalie Wood drowned? Within hours of her death, MBS traders were telling sick jokes about her, but her acting in movies like <em>Splendor in the Grass<\/em> was nothing les than terrific.<\/li>\n<p><em><\/em><\/p>\n<li>Transparency International has ranked 181 nations from the least corrupt to the most corrupt.\u00a0 The top five in order are New Zealand , Denmark , Singapore , Sweden and Switzerland .\u00a0 The worst were Iraq , Sudan , Burma , Afghanistan , and finally, Somalia .\u00a0 Russia was #146, Pakistan was #139, China was #79, and the U.S. was #19.\u00a0\u00a0<\/li>\n<p><em><\/em><\/p>\n<li>We made a list of fifty books we want to read or re-read. Here are twenty of them and we\u2019ll show the rest next week.\u00a0 If you think of any classics that should be on a <em>must read<\/em> list, let us know.<\/li>\n<table class=\"MsoTableGrid\" style=\"border-bottom-style: none; border-right-style: none; background-color: #ffff99; border-collapse: collapse; border-top-style: none; margin-left: 59.4pt; border-left-style: none; -webkit-background-clip: initial; -webkit-background-origin: initial\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" bgcolor=\"#ffff99\">\n<tbody>\n<tr>\n<td style=\"padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; padding-top: 0in; border: windowtext 1pt solid;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">A Doll\u2019s House (Ibsen)<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-left-style: none; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Love (Stendhal)<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">All Quiet on the Western Front<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Madame Bovary (Flaubert)<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Confession (Augustine)<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Notes from the Underground<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Crime &amp; Punishment<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Pride &amp; Prejudice (Jane Austen)<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">East of Eden (Steinbeck)<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Sons &amp; Lovers (D.H. Lawrence)<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Far from the Madding Crowd<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">The American (Thomas Hardy)<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">First Love (Turgenev)<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">The Genius\u00a0 (Dreiser)<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Jayne Eyre (Bronte)<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Last of the Mohicans (Cooper)<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">The Dead (James Joyce)<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Wuthering<\/span><\/span><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\"><span class=\"Apple-converted-space\">\u00a0<\/span>Heights<\/span><\/span><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\"><span class=\"Apple-converted-space\">\u00a0<\/span>(Bronte)<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 2.25in; padding-right: 5.4pt; border-top-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"216\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">Essays\u00a0 (Schopenhauer)<\/span><\/span><\/p>\n<\/td>\n<td style=\"border-bottom: windowtext 1pt solid; padding-bottom: 0in; padding-left: 5.4pt; width: 171pt; padding-right: 5.4pt; border-top-style: none; border-left-style: none; border-right: windowtext 1pt solid; padding-top: 0in;\" width=\"228\" valign=\"top\">\n<p style=\"line-height: 10.5pt; margin: 0px; font-family: 'Times New Roman'; font-size: 12pt\"><span style=\"font-family: Comic Sans MS; font-size: x-small;\"><span style=\"font-family: 'Comic Sans MS'; font-size: 10pt\">The Way of All Flesh ( Butler )<\/span><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span class=\"Apple-style-span\" style=\"widows: 2; text-transform: none; text-indent: 0px; border-collapse: separate; font: medium 'Times New Roman'; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px\"><span class=\"Apple-style-span\" style=\"font-family: 'times new roman', 'new york', times, serif; font-size: 16px\"><\/p>\n<li>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 *\u00a0\u00a0\u00a0\u00a0 *<em><\/em><\/li>\n<li>We\u2019ve been doing a lot of <a href=\"http:\/\/www.scribd.com\/doc\/19810696\/FOCISPlus-Dont-Find-Yourself\">FOCIS-plus Reviews<\/a> lately, and they\u2019re one of the more gratifying aspects of our work.\u00a0\u00a0\u00a0 We look at all the areas of risk, but the best part is figuring out how a company can make more money.\u00a0 Sometimes it\u2019s really obvious, and other times we need to tear apart the entire organization and put it back together before we find the source of the problem.<\/li>\n<li>And it\u2019s not that we\u2019re the smartest people in the world.\u00a0 We\u2019re not.\u00a0 But the three of us have over 80 years experience in the mortgage banking industry and lending to it, and we\u2019re in dozens and dozens of mortgage companies every year.\u00a0\u00a0 It\u2019s the latter which proves so useful, as we see over and over again what works and what doesn\u2019t.\u00a0 We see certain processes and ways of doing certain things over and over again at all the highly profitable companies.\u00a0 If ten companies perform a certain function one way and make good money, and you\u2019re doing it a totally different way and losing money, maybe learning how the top performers do it can help you.<br \/>\nThe <em><a href=\"http:\/\/www.scribd.com\/doc\/19810696\/FOCISPlus-Dont-Find-Yourself\">FOCIS-plus<\/a>\u00a0<\/em> looks at about 67 areas, and we typically have very specific recommendations on about 40-45 of them. Interestingly, the key to going from a low-performing company to a high-performing one is usually found in less than five recommendations.\u00a0\u00a0 The solution is usually not all that complicated.<\/li>\n<li>We\u2019ve gone into companies that were making a ton of money and where our recommendations were more along the lines of how to better manage risk and have better financial reporting.\u00a0 When someone\u2019s making 125 bps per loan, we\u2019re hard pressed to find ways for them to make even more.\u00a0 But when companies make 50-60 bops, and less, these are our favorite ones where we\u2019ve been able to make a real difference and help them really grow their revenues.\u00a0 Those are the most gratifying.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 *\u00a0 <em><\/em><\/li>\n<p><\/span><\/span><\/li>\n<p><\/span><\/span><\/p>\n<p><\/span><\/span><\/ul>\n<p><em>.<\/em> <a href=\"http:\/\/garrettwatts.com\/\">Garrett, Watts &amp; Co.<\/a>\u00a0\u00a0<em>Helping mortgage lenders increase revenues, control costs, and better manage risk.<\/em><\/p>\n<ul>\n<li>Corky Watts\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 (<a href=\"mailto:CWatts@GarrettWatts.com\">CWatts@GarrettWatts.com<\/a>)<\/li>\n<li>Joe Garrett\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 (<a href=\"mailto:JGarrett@GarrettWatts.com\">JGarrett@GarrettWatts.com<\/a> )<\/li>\n<li>Mike McAuley\u00a0\u00a0\u00a0\u00a0\u00a0 (<a href=\"mailto:MMcauley@GarrettWatts.com\">MMcauley@GarrettWatts.com<\/a> )<\/li>\n<\/ul>\n<div class=\"feedflare\">\n<a href=\"http:\/\/feeds.feedburner.com\/~ff\/mortgagenewsclips\/qTBe?a=L41H6TFoLV4:OnJTuiDSmJY:yIl2AUoC8zA\"><img decoding=\"async\" src=\"http:\/\/feeds.feedburner.com\/~ff\/mortgagenewsclips\/qTBe?d=yIl2AUoC8zA\" border=\"0\"><\/img><\/a> <a href=\"http:\/\/feeds.feedburner.com\/~ff\/mortgagenewsclips\/qTBe?a=L41H6TFoLV4:OnJTuiDSmJY:D7DqB2pKExk\"><img decoding=\"async\" src=\"http:\/\/feeds.feedburner.com\/~ff\/mortgagenewsclips\/qTBe?i=L41H6TFoLV4:OnJTuiDSmJY:D7DqB2pKExk\" border=\"0\"><\/img><\/a> <a href=\"http:\/\/feeds.feedburner.com\/~ff\/mortgagenewsclips\/qTBe?a=L41H6TFoLV4:OnJTuiDSmJY:F7zBnMyn0Lo\"><img decoding=\"async\" src=\"http:\/\/feeds.feedburner.com\/~ff\/mortgagenewsclips\/qTBe?i=L41H6TFoLV4:OnJTuiDSmJY:F7zBnMyn0Lo\" border=\"0\"><\/img><\/a> <a href=\"http:\/\/feeds.feedburner.com\/~ff\/mortgagenewsclips\/qTBe?a=L41H6TFoLV4:OnJTuiDSmJY:V_sGLiPBpWU\"><img decoding=\"async\" src=\"http:\/\/feeds.feedburner.com\/~ff\/mortgagenewsclips\/qTBe?i=L41H6TFoLV4:OnJTuiDSmJY:V_sGLiPBpWU\" border=\"0\"><\/img><\/a>\n<\/div>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/feeds.feedburner.com\/~r\/mortgagenewsclips\/qTBe\/~4\/L41H6TFoLV4\" height=\"1\" width=\"1\"\/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 To Our Clients, Colleagues and Friends, Here\u2019s a weird statistic:\u00a0 Bert Blyleven pitched 75 complete games which he lost.\u00a0 He had an excellent 3.19 ERA in those games, but his teams just didn\u2019t give him enough run support.\u00a0 Another example of not getting enough offensive support is the great Nolan Ryan.\u00a0 Ryan pitched 75 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-52363","post","type-post","status-publish","format-standard","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/posts\/52363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/comments?post=52363"}],"version-history":[{"count":0,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/posts\/52363\/revisions"}],"wp:attachment":[{"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/media?parent=52363"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/categories?post=52363"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mereja.media\/index\/wp-json\/wp\/v2\/tags?post=52363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}