Welcome to Las Vegas and the NAMB/WEST 2011 Loan Originator Conference. Thank you to everyone who has worked diligently throughout the year. We could not have made this conference successful without the support of our exhibitors, sponsors, presenters, volunteer committees and the support of our meeting planner, Stephanie, and the wonderful staff at Kinsley Meetings. We are facing numerous challenges in the mortgage industry today … challenges that will offer you some great opportunities as we move forward. The NAMB/WEST Conference Committee has put together a variety of options for you this year, and I am very excited to have the group of speakers we have assembled on hand to share their thoughts and visions with us. You can’t help but learn something from all of these great people and a few surprises are in store along the way. I want all of you to get as much as you can out of this conference. We are trying to make it worthwhile benefit to you and the time that you will invest. We are going to be rolling out some great programs from which everyone will benefit, so be on the lookout for these programs and much more in the first few months of 2012. I look forward to seeing all of you at NAMB/WEST, so make sure you stop by our exhibitor booth to say hello! Donald J. Frommeyer, CRMS, is president-elect of the National Association of Mortgage Brokers. He may be reached by phone at (317) 575-4355 or e-mail at [email protected].