... I am not being facetious here. Think of this mortgage industry. Wells has a $1.8 trillion portfolio. It handles 26% of originations. It has had a remarkable decline in the total delinquency and foreclosure rate for residential mortgages in the last year, from 8.96% to 7.63%. That's a staggering level of improvement, especially when you consider the portfolio of terrible mortgages it got from its Wachovia acquisition, including a horrid top-of-the-market basket of mortgages from Wachovia's 2006 purchase of Golden West. ...