(Sorry the commentary is a little late today. It took me a long time to wade through all of the investor price-change e-mails from yesterday. So let's all take a deep breath...) Q: How many auditors does it take to change a light bulb? A: Auditors don't change anything. They just report that it's dark. But auditors catch fraud, which is never a good thing (the fraud, not the catching of it). HUD is hosting a "Mortgage and Foreclosure Fraud Awareness Workshop" in Ontario, CA in the morning of August...