OUR SUCCESS HANGS ON OUR EMPLOYEES’ INGENUITY  AND COMMITMENT, AS WELL AS THEIR TRUST IN ONE  ANOTHER. WE HIRE THE BEST IN OUR INDUSTRY, ENSURE THEY GET UP-TO-THE-MINUTE TRAINING  AND MAINTAIN A CULTURE OF TEAMWORK. We know that our employees are among the very  best in our industry, and we work hard to nurture their commitment and dedication at every level of  our business. We give them the authority to make decisions and take ownership of their actions. We ensure they have ample training and education Our executive management team has been  directing the Company’s mortgage operations since 1987, and the majority of management has been with the Company for seven years or more, an astounding accomplishment in the competitive and fast-paced mortgage banking industry. Since our inception, we have encouraged teamwork and held to a flat, rather than a hierarchical, management structure. We have insisted on a business environment and the communi- cations tools to support our “proactive, self thinking” corporate culture. All of the components of our success, innovative products, synergistic business lines, cutting-edge technologies and centralized operations, rest firmly  on one strength: the creativity and productivity of  our employees. PROMOTE CORPORATE CULTURE 25. Chapter 5: Promote Corporate Culture