In late January, RAI was fortunate to attend the first MBA Whole Loan Trading Workshop. The panels and discussion were excellent. A common theme that we heard during the day was "data is king". Boy did we want to jump up and say... we can fix that. There was discussion on TRID's effect on the industry, the challenges of NPL, Scratch and Dent, Reperforming, QM and non-QM mortgages. Our MAM system has features for managing all these various classes of assets and in various clients these assets are successfully being managed today.