I hope that you’re not reading this while stuck due to the thousands of cancelled flights or road closures in Northern California! Kudos to Carol K. who sent, “One thing nobody ever talks about being an adult is how much time you debate yourself on keeping a cardboard box because it’s, like, a really, really good box.” Kudos is an interesting word. Do the governments/governors in California and Colorado deserve kudos for making these moves that impact residential lenders, providing money for distressed borrowers (in California) and creating more regulations for non-bank lenders (in Colorado). How about state funding for tracking down, arresting, and throwing away the key for people who steal the identity of others? Author Carol Gardner interviews 4iq’s Luke Wilson