well, i've survived another round of layoffs...eesh. we all knew it was coming, but luckily my department was the only one not affected at all. even in this turbulant climate for the mortgage industry, direct lending is the place to be. we're not as busy as we should be, but we're still at about 130% capacity, hoping to be 170% by next year. it gives me a little hope i guess, but it's hard to have confidence in this sort of environment.