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My 86-year old Dad caught me taking a nap over the weekend. Not one to miss an opportunity, he said, "You practically invented lazy. People should have to call you and ask for the rights to the word "lazy" before they use it." That's my Dad... Lock Desk personnel are seldom lazy, and in fact are often the unsung heroes of mortgage banking since they are in the frontline on pricing and program issues. Last week they had a little more time on their hands, since the volume of mortgage applications filed last week fell a seasonally adjusted 2.5% from the week before . Refinancing was down 1.4%, and purchases were down 4.7%. The MBAA survey, which covers about half of all US retail residential production, supports the Wall Street belief that origination, and loan sales, have...