For the author, the mortgage business is not a job, a paycheck, a method of supporting the his family or lifestyle. It's a way of life, a way in which he can make a difference. It's up to them to shape the future of their profession. They can stop allowing others to define their future. They can snap out of the funk they have been in for the last four years and decide what their future will be. And they can begin by using every ounce of influence, power and persuasion they have to work with their colleagues, their adversaries, their vendors, their customers, their lawmakers, their regulators and their communities to create the mortgage lending business of tomorrow. You should work to make it the future you were just imagining. Start today, or tomorrow will not look much different than yesterday.