In this issue, we peer into 2020 and ask industry leaders to give us their thoughts on potential issues and trends to watch our for. We also take a closer look at the September 25th hearing before the House Subcommittee on Housing, Community Development and Insurance that examined perceived problems with the HECM program, while including statements of encouragement of why HECMs remain a vital planning tool for millions of Americans from Peter Bell, president and CEO of NRMLA, who was among the witnesses. Bell notes that the hearing should be a call to action for loan officers to educate their local legislators about the program.