Jeff Scheuren, EVP, President, COO at Fulton Mortgage. Highlights include:  volatility is unprecedented and driven by emotion, not fundamentals; hedging must be hyper-responsive and continually reassessed; communication and tools are vital for loan officer confidence; profitability relies on cost control and technology investment and first-time buyers and new construction are driving activity.  Jeff has been with Fulton Mortgage for over 15 years.