I completely agree about the new normal. In some ways it has made a lot of businesses better. They have become leaner, more careful, and effective with a closer eye on the big picture than they have had before. I know this is true for my outfit.

The new normal also has made the banking industry operate a lot closer to the vest, which in most instances is a good thing. I spend a lot more of my time now talking to loan officers on my client's behalf than I ever have before.