Among this year's information technology All-Stars are three people who fit into a category we're calling Pioneers of the Loan Origination System (LOS). This group of small-business owners deserves special recognition because they've invested their own funds in companies that to this day create and maintain the mission-critical technology that supports today's mortgage lending companies. They're always there at the trade shows, standing on the floor in the exhibition hall. They're always promoting the use of technology. Throughout the difficult times the industry faces every six or seven years, and the technology cycles where you have a different platform that's introduced and they have to rebuild their product almost from the ground up. These Pioneers of LOS are: 1. Dawn Gibbs, president and CEO, Financial Industry Computer Systems Inc, Addison, TX, 2. Doug Chang, president, Calyx Software San Jose, CA, and 3. Lester Dominick, president and CEO, MortgageFlex Systems Inc, Jacksonville, FL.