Normally summer is a time where most people slow down, relax, take vacations and the pace slows down accordingly with the seasonal ebb and flow of our industry. But not this summer.

Exhibit A, B, C, D and so on: This past month has demonstrated the profound element of change. Mostly in our wallets. The stock market volatility and global economic disruptions have echoed (and roared) around the world. We’ve seen the lowest 30-year mortgage rates, U.S. downgrades, company downsizing.

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