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My telephone rang. “Is this Otto Linton?”

I paused. Anyone getting my name wrong usually wants something I will not give. “Yes?”

“I have been assigned to work on your mortgages and I need some information to complete my report. I have several questions for you? My first question is…”

“Before I answer, who are you and what do you want and why do you think I want your help?”

“My name is not important. I represent Regional Mortgage Alliance. We recommend ways to help you improve your mortgages.”

Most times, I’ve hung up by now. But I was mildly curious. “What is your question?”

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