The first 13 parties that walk in get those window tables. Isn't that logical and fair? I don't know how else to do it.

At the end, the loan is still going to be closed in person. The borrower is still going to be sitting at a closing table with representatives at all the different parties. I don't see that changing quickly, although when it comes to refinancing, things might be able to be processed on a strictly remote basis.

At a right price, Ricketts would look to sell but that right price is closer to $20.

There's a certain amount of people that probably got cleaned out and aren't coming back. There's nothing to entice them to come back, until the market does perform well.

People retreat to the sidelines, licking their wounds. The whole process is not as attractive anymore.

With e-commerce, the challenge is always converting people from lookers to bookers. But in general, people are becoming more comfortable online, as systems become easier and quicker to use.

We can't keep cutting maintenance of our buildings and still have programs. Things that they love have to go if they don't want to give us money.

We believe there is a place of value for the (traditional) broker. We don't see everything going on to the Internet, just about 20 to 30 percent.

For those three, there is a disconnect between what the market is willing to pay and what the companies think they are worth over the long haul.

Multi-lender sites allow you to get a good look at the rate market. (Traditionally), it has taken a lot of time and effort to find out what rates are. You'd have to go to two or three different places and possibly even fill out an application each time.