Definition of Insanity?.

I think Benjamin Franklin was the one who said that the definition of insanity is doing the same thing over and over again and expecting a different result.   As we wrap up 2007, a year that ended, I would dare say, significantly different than most people expected, and move into 2008, how does that saying apply to each of our businesses?   What am I going to do differently as a mortgage lender for a "super regional bank" in the Midwest?   What is Morgan going to do differently as the owner of a mortgage company in California?   So I want to raise this question - whether you are a Realtor, Builder, Banker, Broker, Home seller, prospective home buyer or whatever role you play in the real estate world.....  What are you going to do differently in