We had two thunderstorms sweep through the area today, one this morning late and one this afternoon. They both dumped quite a bit of water but passed by very quickly. It was hot too. In the mid 80s.

We had to move "a pace" this morning, as Dick had to be at Sheboygan Memorial Hospital for his MRA by 9:15AM and we knew that meant being there earlier so we could get checked in and all.
Everything went very smoothly. It seemed to take longer than they said it would. The technician/Nurse said it would be 25 minutes but it was a bit over an hour. Dick said it seemed to go quite fast for him except that it is SO uncomfortable for him to lie still in one position for any length of time. But we were home a bit after 10AM so it wasn't too bad.

After lunch, Dick took a well deserved nap but woke up with very severe chills. We wrapped him in that nice wool Galway shawl but he still couldn't get warm. So he went back to bed under the electric blanket. That seemed to help but he really is not feeling well.

Tomorrow he will get two blood tests. One a fasting one for his physical with Dr. Sharon. Then the second for Dr. Phelan. He needs to call Dr. Phelan because we don't think that he really needs that weekly one any more. Dr. Phelan and his nurses are hard to get ahold of though.

On the way home we were listening to the radio to an interview with a banker about mortgage practices. They were talking about redlining, the practice of denying clients from certain neighborhoods. I was remembering how things were when I first started out in the lending business at Pacific Finance Corporation when I was 20 years old. The applications we received were hand filled out by the interviewer. We scored them. The client got points for several catagories and had to have a minimum score to qualify for the loan. They got 0 through 5 points for each catagory. Now, we would be sued for discrimination on a chunk of them. There were points for age groups, gender, whether the party was married or not, the race, job and length of job. Can you even believe it? Credit bureaus were in their infancy. We did have one in the Santa Ana area. We would call with the client's information and they would call us back with "inquiries". Inquiries were calls from lending agencies. They would give us the name of the institution that had called and the date they called and then we would have to check to see if an account had been opened. We also had to call the places the client told us about and get the rating from them.

Now, agencies just contact the credit bureau through the internet and download the information directly onto an application. My friend Evelyn Green told me that recently she requested a hard file from 1992 or sometime there and found that it was one of mine and all handwritten. This was WAY past Pacific Finance but before the great computer boom.

Brave new world.

Love

Mary