One ray of sunshine through the cloud of home mortgage lenders, has been the success of regional banks in the home loan industry.

We wanted to differentiate our client, American Marine Bank, from the tangle of lending choices available to local homeowners. We suggested a line of logic about money that your parents may have taught you about candy.

Don't take it from strangers. Go with someone you know.

And preferably, with American Marine Bank. Who, as it turned out, ended up having a very strong year in mortgage lending.