Every salesperson has personally experienced how dramatically selling has changed in the last five years. Prospects don’t answer their phones or respond to emails as they once did.

Thomas from Vermont asks: I am a fairly new broker with a small integrity driven firm. While my knowledge is perhaps not as vast as a seasoned broker, I often find potential clients are being promised things that truly cannot be delivered. How can I keep my integrity and show a client the process without subtly naming my competitor as a liar? I ask this question simply because it has been one of the most frustrating parts of this business.

We remain in an environment where even slight changes in interest rates–in either direction–can have an outsized impact on the number of refinance candidates.

Banks with bigger information technology budgets fared better during the global financial crisis, according to a new working paper from the International Monetary Fund. So reports Quartz.