Everyone said that in three years, mortgages will all be done online,

Our challenge is not getting big, and the temptation is great,

We rely on our Web site and technology, and guide clients through that process.

Our service to people is something we have to monitor constantly, just to make sure we're staying with the company we started off with and not getting out of whack.

It's planned the project will proceed in four segments.

This is something we will remember for ever.