“The agents that came in for the easy money, they ran fast when the easy money disappeared, then there were people like Jay and Mike, they said no this is our time this is the time we have to step up this is a time that we cannot allow what’s taken place right now to continue and they didn’t worry just about their own personal pocketbooks they worried about the industry overall the country overall
“If they hadn’t done that we wouldn’t have recovered as well as we had up until this point”