A friend of mine who lives in her own unit in a mobile home park was telling me that her rent is about to go up by a huge amount, and said that, “That Fannie Mae and Freddie Mac are behind it.” Correct or not, Freddie Mac and Fannie Mae don’t need this kind of publicity and the public to have that impression, but sure enough, a quick news search turns up: “'Trapped': How Federally Backed Financing is Making Mobile Homes Less Affordable.” The world has always had its population broken down in different classes. The average income for middle-class Americans has risen from $74,000 in 2010 to $90,000 today. But to have the same effective income as $74,000 in 2010, you’d need to make roughly $101,000 in 2022. Going back in our nation’s history, privates who were paid in the Continental army earned about $6.70 a month. I mention this because today, in New England, is Patriot’s Day. The Boston Red Sox play a home game at Fenway Park every Patriots' Day at 11AM. Today’s is the only morning game on the Major League Baseball calendar each year. (Thank you to Kris W. for sending this along, as her Dad, Robert Edmond Smith, tracked his mom’s ancestry back to John Parker!) Today’s podcast can be found here and is sponsored by Candor. Candor’s patented automated underwriting decision engine, CogniTech™, is a state-of-the-art, 100 percent machine platform that can handle infinite loan scenarios. Listen to an interview with Argyle’s Shmulik Fishman on consumer-permissioned payroll connectivity that helps lenders with employment and income verification.