3- to shop the country for the best long term take outs, negotiate separately with commercial banks for the interim funds, or be so dependent in his planning upon the uncertain supply and price of mortgage funds. The solutions may well require a reorientation of approach and throwing into the discard pile some of the sacred principles and precepts that now are generally accepted by many members of your group. The large lenders have a public responsibility which must be discharged voluntarily or legislation and regulation will be even further imposed. It was not so many years ago that commercial banking underwent a similar revolution in concept. Those who insisted on clinging to the old concepts were left by the wayside. Those that seized the opportunities to provide new services and to enter new fields, meeting the needs of their customers while safeguarding the interests of their depositors grew and prospered in great measure. So it will be with the mortgage bankers. Will you be among the leaders or among the laggards? The choice rests with you.