“I somehow managed to make it through high school math while only being able to remember even numbers. What are the odds?!” As the California MBA’s Western Secondary breaks up here in Southern California, numbers are dancing in everyone’s head. Volumes, margins, gain on sale, concessions, and extensions. (I even have a numerical riddle that stumped me below instead of the usual joke; even the solution had me befuddled.) A veteran LO once told me that she always looks at the coffee a potential client is drinking. Who is going to grouse more about .125 in rate, someone who makes their own coffee for less than $1 a cup or someone who buys it every day? At $5.74 per cup, a daily Starbucks latte costs $2,095 per year. Had you placed that amount in a high-yield savings account with a 4 percent return, you’d end up with $2,179 after one year, a modest $84 gain. Much larger gains could be realized over time if this money had been invested in equities. (Today’s podcast can be found here and this week’s is sponsored by ICE. By seamlessly integrating best-in-class solutions, ICE optimizes every stage of the loan life cycle, setting the standard for innovation, artificial intelligence, efficiency, and scalability, and defining the future of homeownership. Today’s has interview with Regal Point Capital’s Vijay Marolia on understanding how blockchain technology is seeping its way into mortgage transactions and how to prepare for the shift to a more digital landscape.) Products, Services, and Software for Lenders and Brokers