We cannot predict exactly where rates will go, but we can make sure our Mortgage Loan Officers, our back-office departments, and systems are working as efficiently as possible to deal with the workload of a fluctuating rate environment. Economic based rate volatility, normal seasonality, and throw in a little Dodd-Frank for good measure and any of these can strain a system. The Mortgage Department has worked hard to position ourselves to handle this by cross-training, seasonal help, and continued system/workflow efficiencies.