additionalannouncementsaprilbonusceochallengeschiefchriscostcurrentdatadecdiscussesdrivingeconomicfebfedfutureshousingimpactindustryinflationinnovationinterestjanjoekeylandscapeloanmaloneymarchmarketsmasteringmaymbamortgagenavigatingnovoctoctoberpolicyprofitabilityrateratesrightsservicingsummittarifftariffstechtodaytrendstyrrelluncertaintyunderstandingunpackingvolatility