Was mortgage stream an innovation or act of desperationIf mortgage streams weren’t added to the numbers then the numbers would have been absolutely horrific. The excuse for bad marketing stream numbers was that farmers are healthy from the last harvest. That was the excuse used in the past for bad capital stream numbers. Marketing streams were supposed to be different from that perspective. I don’t know if new capital streams are even being created.
So were mortgage streams created out of pure desperation or does it provide value that is truly viable. The answer may be yes, mortgage streams are going to be wildly successful. But I am not going to blindly keep the faith. Hopefully I feel better after the conference call.