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The Offer

  • Chase is offering 60,000 points and a free night certificate worth up to 50,000 points when you spend $2,000 within the first three months

Card Details

  • No annual fee
  • No foreign transaction fee
  • Receive 5 Elite Night Credits each calendar year
  • Card earns 3x points for every $1 spent at Marriott Bonvoy hotels
  • Card earns 2x – grocery stores, rideshare, internet/cable/phone services as well as some food delivery and streaming services
  • Card earns 1x point for every $1 you spend on all other purchases
  • Travel Now, Pay Later – no-interest payment plans
  • Points don’t expire as long as you make purchases on your credit card every 24 months

Our Verdict

New changes to the card came into effect today. Don’t think it’s really worth burning a 5/24 slot on this card and offer but others might disagree.


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Update 5/23/24: Deal is back and valid until 7/10/2024

The Offer

Direct link to offer 

  • American Express is offering a sign up bonus of five free nights (up to 50,000 points per night) Marriott Bonvoy Business Card after spending $8,000 within 6 months.

Offer ends 7/10/2024.

Card Details

  • Anniversary free night award up to 35,000 points (this is a free night certificate that can be used on properties costing up to 35,000 points)
  • $125 annual fee (not waived first year)
  • Card earns at the following rates:
    • Six Marriott rewards points per dollar spent at participating hotels
    • Four Marriott rewards points per dollar spent at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
    • Two points per dollar spent on all other purchases
  • Marriott Gold status
  • 7% discount on rooms
  • Receive 15 nights towards elite status
  • Premium in room internet access at participating properties
  • No foreign transaction fees
  • Can only get the bonus once per lifetime

Our Verdict

Excellent offer. Previous bonus in November 2023 was three free nights. Prior offers were 100k-125k points or 125k + two free night certificates.

Offer is available via referrals as well. No referrals in the comments below. Check out these Things To Know about American Express credit card before applying. We’ll add this to our list of Best Credit Card Signup Bonuses. 


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Home Decor Market

IMARC Group has recently released a new research study titled “In Vitro Diagnostics Market: Global Industry Trends, Share, Size, Growth, Opportunity and Forecast 2024-2032”, offers a detailed analysis of the market drivers, segmentation, growth opportunities, trends, and competitive landscape to understand the current and future market scenarios.

The global home decor market size reached US$ 749.0 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 1,087.5 Billion by 2032, exhibiting a growth rate (CAGR) of 4.1% during 2024-2032. The market is experiencing stable growth driven by the increasing focus on health and wellness, rising preferences for personalized and aesthetically pleasing interior designs, and integration of smart technology in decor products to provide enhanced experiences to individuals.

Global Home Decor Market Trends:

The rising influence of current fashion and design trends in home decor is positively impacting the market growth. Along with this, the burgeoning integration of augmented reality (AR) and virtual reality (VR) in the shopping process to enhance the shopping experience by allowing consumers to visualize products in their own spaces before purchase is acting as a growth-inducing factor. Apart from this, the increasing awareness of wellness, boosting the use of biophilic design principles that integrate natural elements into indoor spaces to enhance mental and emotional well-being, is creating a positive outlook for the market growth.

Request to Get the Sample Report:

Factors Affecting the Growth of the Home Decor Industry:

Changing Consumer Lifestyle and Preferences:

The changing consumer lifestyle as societal norms, economic conditions, and cultural shifts evolve, is one of the major factors boosting the market growth. Moreover, the rising adoption of remote work and flexible schedules, leading to increased demand for home office setups and ergonomic furniture is acting as a growth-inducing factor. Additionally, the growing preference for functional and aesthetically pleasing decor solutions that complement the home workspaces is fueling the market growth. Furthermore, the rising urbanization and compact living spaces, boosting the demand for multifunctional and space-saving furniture and decor, is contributing to the market growth.

Rapid Technological Advancements:

The rapid technological advancements and innovation that drive continuous evolution, thereby influencing product design, manufacturing processes, distribution channels, and consumer experiences, is enhancing the market growth. in line with this, the burgeoning integration of the Internet of Things (IoT) devices and smart home systems that revolutionize the way consumers interact with their living spaces, is propelling the market growth. Smart lighting systems, automated window treatments, and voice-controlled assistants enhance convenience and functionality while contributing to energy efficiency and environmental sustainability. Furthermore, the rising advancements in manufacturing technologies such as three-dimensional (3D) printing and automated production processes that enable greater design flexibility and customization in home decor products, is catalyzing the market growth.

Growing Focus on Environmental Sustainability and Ethical Consumerism:

The increasing awareness of environmental issues, coupled with a growing preference for ethically sourced and sustainable products, is positively impacting the market growth. in line with this, the heightened mindfulness among consumers of the environmental impact of their purchases, prompting them to seek home decor products made from renewable resources, recycled materials, and non-toxic substances, is acting as a growth-inducing factor. Moreover, the rising adoption of ethical sourcing and fair-trade practices as these have become important considerations for consumers when choosing home decor items, is promoting the market growth. Furthermore, the rising preference among consumers who are looking for home decor items that are durable, repairable, and recyclable at the end of their use, is providing a thrust to the market growth.

Key Companies:

Ashley Furniture Industries Inc.
Duresta Upholstery Ltd.
Forbo Holding AG
Hanssem Co. Ltd.
Herman Miller Inc.
Inter IKEA Systems B.V.
Kimball International Inc. (HNI Corporation)
Koninklijke Philips N.V.
Mannington Mills Inc.
Mohawk Industries Inc.
Samson Holding Ltd.
Shaw Industries Group Inc. (Berkshire Hathaway Inc.)
Sophia Home
Springs Window Fashions
Suofeiya Home Collection Co. Ltd.

Home Decor Market Report Segmentation:

By Product Type:

Home Furniture
Home Textiles
Wall Decor

Home furniture represents the largest segment by product type due to the increasing demand for functional and stylish furniture pieces that cater to diverse consumer preferences and lifestyles.

By Distribution Channel:

Home Decor Stores
Supermarkets and Hypermarkets
Online Store
Gift Shops

Home decor stores account for the majority of the market share because they offer a wide range of curated decor items, personalized shopping experiences, and expert advice.

Regional Insights:

North America
Asia Pacific
Middle East and Africa
Latin America

North America leads the market owing to factors such as high disposable income levels, a strong housing market, and a culture that values interior design and home improvement.

Speak to An Analyst:

Key Highlights of the Report:

Market Performance (2018-2023)
Market Outlook (2024-2032)
Market Trends
Market Drivers and Success Factors
Impact of COVID-19
Value Chain Analysis
Comprehensive mapping of the competitive landscape

If you need specific information that is not currently within the scope of the report, we will provide it to you as a part of the customization.

Contact us:


134 N 4th St. Brooklyn, NY 11249, USA

Email: [email protected]

Tel No:(D) +91 120 433 0800

United States: +1-631-791-1145

About Us                                                                      

IMARC Group is a leading market research company that offers management strategy and market research worldwide. We partner with clients in all sectors and regions to identify their highest-value opportunities, address their most critical challenges, and transform their businesses.

IMARC’s information products include major market, scientific, economic and technological developments for business leaders in pharmaceutical, industrial, and high technology organizations. Market forecasts and industry analysis for biotechnology, advanced materials, pharmaceuticals, food and beverage, travel and tourism, nanotechnology and novel processing methods are at the top of the company’s expertise.

This release was published on openPR.


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prasit2512 –

Generative artificial intelligence holds a wealth of potential — and risk — for the mortgage industry, but despite the challenges, the developing technology is finding its place within company workflows. 

Some of the greatest potential for adoption lies in marketing uses. 

“Imagine if you Googled a topic, and then clicked through several links, and then summarized what you found in those links. Imagine if a machine could do that for you in 30 seconds,” said Adam O’Daniel, chief marketing officer at Guild Mortgage.

“It’s not delivering me any data that I couldn’t have probably found through Google search. It just saved me the time and in sorting through it and compiling the data.”

Across business segments, AI is demonstrating value as a tool that drives efficiency and even fuels inspiration among marketing professionals, even though widespread apprehension remains. Although mortgage and real estate companies have the same concerns around risks as others, their marketing teams and loan officers are testing the waters to varying degrees and learning to tailor AI for their specific needs.

“It’s a starting point for many, and it has been helpful if you’re, for instance, having a creative block,” said Whitney Blessington, chief marketing officer at Churchill Mortgage. “We call it like someone to brainstorm with, even though it’s not a person.”

Generative AI benefits also result from its ability to conduct quick research. “It can help you come up with good topics,” O’Daniel said.

A useful but still-developing technology opportunity
Mortgage companies, more than other types of companies, appear open to exploring how artificial intelligence might help their marketing efforts. 

While some forms of AI are already used in the underwriting context, especially for tasks related to data extraction and processing, concerns about enforcement of possible noncompliance leave some lenders wary about applying the technology in a customer-facing capacity. Marketing tasks, though, offer the opportunity to see how AI can improve efficiency within the appropriate guardrails. 

In 2024 research released by Arizent, 64% of mortgage industry professionals said they would be open to utilizing artificial intelligence for a majority of their marketing and promotional tasks in a hypothetical scenario where regulations did not exist. Interest in the mortgage industry far exceeded the percentage of similar responses in six other financial sectors, none of which surpassed 50%. 

At the same time, 55% within home lending said they would use it for most tasks associated with research and fact checking. 

Its use in advertising, though, still presents some risk of bias in outreach, according to recent guidelines issued by the U.S. Department of Housing and Urban Development. 

But despite the industry’s enthusiasm, the “A” in AI doesn’t stand for accuracy, and human marketing professionals will need to remain a fixture, mortgage leaders say. Even when used for research purposes, users have found themselves running into factually incorrect responses.

“You can’t count on it blindly,” Blessington said. “You still have to do your homework.” 

“I think the biggest thing is, today, it really helps someone streamline their workflows,” she added, comparing it to an intern who might conduct low-level administrative work, such as writing metadata descriptions or alternative text for images. 

“It helps you go from ideation to planning to actual content,” said O’Daniel. However, when generative AI “writes” any of its own content itself, it fails to perform to the standards the industry might want, he said.   

“It may use terminology that is more appropriate for a bank and not an independent mortgage lender, and so you have to adjust the terminology. Some of the more finer nuances of the business — it doesn’t fully deliver.”

Current use scenarios and risks
Use of artificial intelligence, particularly generative AI like ChatGPT or Microsoft Copilot, is still in its nascent stage within the mortgage industry; but with expectations of rapid expansion, it stands to change how future work can be done.

Entering AI waters may seem daunting, but the technology also offers customization that can facilitate ease of use, according to Ginger Bell, who regularly conducts seminars on artificial intelligence for real estate professionals. Bell is a co-host of the podcast AI Clubhouse and founder of housing industry video platform

A loan officer or lender can customize their generative AI to home in on situations or guidelines it commonly addresses. “You can actually just type a scenario, and it reads the guidelines,” Bell said, while cautioning verification is still necessary.  

“You can also ask it to cite exactly where it’s pulling that information from, and a lot of it is just training it to be able to ask the questions correctly, telling it what you want in terms of the response and then how you want that response to look.” 

Bell commonly sees ChatGPT being used to assist in composing emails and social media posts, and some mortgage professionals also employ it to write video marketing scripts. Users can  tailor a gen AI tool by feeding it their previously written transcripts, articles or other work, eventually training it to sound more like their own voice, she said. 

But oversight and enhancements need to remain top of mind as well, said Jason Perkins, co-founder and president of Bonzo, a provider of communication engagement software and a mortgage customer-relationship management system. 

“I look at AI-generated content as a frame of your business, not the be-all,” he said. “Personalization is what drives conversations.”

Generative AI can also quickly build marketing campaigns through a series of prompts —  a set of instructions or steps to create messages with given parameters that might address a specific topic or target a borrowing segment. The prompts can also ensure that necessary disclosures and licensing information are included.

“A lot of companies need to realize this is a big compliance opportunity to make sure that your loan officers are providing their information in a compliant way,” Bell said.

However, while businesses have the capability to personalize their prompts and content via an open source generative AI platform, a number of companies are instead turning to enterprise versions that protect proprietary information and maintain compliance. Certain accounting firms go as far as requiring employees to use personalized generative AI under enterprise editions that remain closed sources, according to Bell. 

“There’s a lot of folks who use what’s available to consumers on ChatGPT and other platforms like that, and certainly, it’s a great tool, but we’re trying to be very thoughtful about how to use those platforms,” O’Daniel said.

“You use a public platform — the data that I upload to the model stays with that model to fuel future learnings, which is amazing; but we might want to share information from a product guide or some other company program that we don’t want to be out of our control,” Guild’s marketing leader added. 

When using a public platform “be aware as far as not putting any nonpublic information in there because it is open source,” Bell advised. In addition to potential noncompliance, it opens up businesses to cybersecurity risk. 

Reliance on public artificial intelligence platforms without proper vetting of the content they produce also carries risk of potential copyright infringement, according to Perkins. 

“They’re just aggregating data off of the internet,” he said. “Businesses and companies are going to put fences around their data,” meaning companies need to be aware of how loan officers and staff use AI-generated content in social posts or advertising. 

Future potential and customer trust 
While marketing content crafted from AI has primarily appeared in written form, artificial intelligence is taking hold in other creative outlets. “Now there’s so many new technologies that are being built around this,” Bell said.

Advanced generative AI tools that alter photographs already exist, alongside emerging businesses that produce original imagery and videos based on an individual’s likeness and voice from a single recording.

However, while AI-generated imagery video represents one of the next growth phases for automation, it also brings with it a potential for misuse by fraudsters and a conundrum for businesses of all types who want to use technology to their advantage without eroding relationships with clients. 

“I think there’s a number of questions around how that affects your brand,” O’Daniel said. 

“It can go both ways. There are people who would appreciate more frequent informational updates from their lender and from their loan officer. So if the technology can help us deliver more frequent helpful information, that can build trust; but if the customer feels as if they’ve been misled and that this avatar is not really their loan officer, that can destroy trust. So I think we have to be very cautious.”


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Social Media Compliance, Client Retention; Freddie/Fannie Changes; Square Footage Stats

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Social Media Compliance, Client Retention; Freddie/Fannie Changes; Square Footage Stats


Mon, Jul 8 2024, 11:48 AM

During a recent password audit, it was found that a blonde was using the following password: “MickeyMinniePlutoHueyLouieDeweyDonaldGoofySacramento”. When asked why such a long password, she said she was told that it had to be at least 8 characters long and include at least one capital. What’s today? It’s “change every password you have” day. Money is the focus of a lot of evil activity on the internet (look at credit union Patelco), but what about useful, constructive monetary activities? Location, location, location. What new home buyers get for their money varies by region. The median price and square footage of new single-family homes sold in 2023, according to the Census Bureau, was $760,700 and 2,430 square feet in the Northeast, $396,300 and 2,172 square feet in the Midwest, $388,800 and 2,335 square feet in the South, and $536,200 and 2,170 square feet in the West. (Today’s podcast is found here and this week’s is sponsored by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender, uniting the people, systems, and stages of the mortgage process. Hear an interview with Candor’s Mark Hinshaw on expectation versus reality when it comes to AI in the mortgage industry.)

Lender and Broker Software, Services, and Products

With high interest rates keeping more people in their homes, new revenue opportunities will come from places that don’t fit the typical servicer playbook. ICE has identified four key areas where technology can help set servicers up for success in today’s low-movement housing market. Explore how you can retain customers, capitalize on your existing portfolio, and streamline your back office in ICE’s complimentary new white paper, Technology helps servicers find opportunities in unusual places.

ActiveComply is excited to be part of the Mortgage Bankers Association’s RegTech Demo Day event on Thursday, July 11th at 12:00pm ET. Register to see the latest technologies, services, and insights from leading technology providers in the industry. This session is specifically for compliance professionals, legal counsel, and risk officers, among others. See high-level overviews of vendor technology that may provide value to your organization and help you succeed in an increasingly complex and competitive environment. See how ActiveComply identifies other language advertising as part of your LEP initiatives, consumer complaints on social media, & brand reputation concerns current events and political movements (just in time for an election year). Don’t miss these power-hour sessions designed to help decision-makers clarify the rapidly changing mortgage tech ecosystem. This event, normally priced at $399.00, is free to MBA members. Register today!

Winning Agent Business: The lender’s guide to building a strong referral network updated for 2024. The new rules mandated by the NAR settlement go into effect August 17th. That means agents are more incentivized than ever to show their clients value—and they’re actively looking to partner with top-tier lenders in their market. Want to take advantage and grow your referral business? Maxwell just updated its Winning Agent Business eBook with new tips straight from agents to help you better network to create a strong funnel of referral leads. Download your free copy to learn qualities agents value in their lending partners, networking dos and don’ts, ways to become a go-to lender, and more.

Agency News and Updates

Freddie Mac published the company’s annual Sustainability Report, which provides details about the company’s 2023 sustainability strategy, activities and performance. The report also includes the company’s Sustainability Accounting Standards Board (SASB) Index and Metrics for the years 2021-2023, as well as a Taskforce on Climate-Related Financial Disclosures (TCFD) Index.

Many families are looking into properties with ADUs for multi-generational living to offset rising housing expenses. Others are seeking a balance between caregiving for aging parents and providing a space for privacy and independence. Whatever the reason, ADUs have been on the rise. Many borrowers are looking to purchase or refinance homes with these units or build one on their existing property. Approximately one quarter of borrowers and homeowners that show interest in ADUs are caregivers or anticipate being a caregiver. Learn more about the benefits Freddie Mac offers for financing ADUs.

In recognition of National Homeownership Month, Freddie Mac is encouraging borrowers to benefit from CreditSmart® Homebuyer U, a free course within Freddie Mac’s CreditSmart ® suite of educational resources. It’s designed to empower them with skills and knowledge.

Freddie Mac updated Stable Monthly Income FAQ for Employed Income Calculation with a new question (Q5) concerning calculating the income average for fluctuating hourly earnings and/or additional employed earnings (e.g., bonus, overtime, tips) if there is an occurrence that prevented the borrower from working and/or earning full income for a period of time.

Freddie Mac Single-Family Seller/Servicer Guide (Guide) Bulletin 2024-9 announces updates pertaining to rental income requirements to provide additional flexibility. Shared amenities requirements for residential projects. Aligning the Guide with treatment of documentation provided, but was not required, in Freddie Mac’s quality control review.

Fannie Mae is continuing its work with Freddie Mac to create standardized subordinate documents, publishing documents for Ohio, New Jersey, and Pennsylvania. Learn about efforts to expand access to down payment assistance.

Fannie Mae issued a Request for Proposal (RFP) to evaluate qualified interested industry participants for potential inclusion in its Title Acceptance pilot and other suppliers that have viable solutions to reduce borrowers’ closing costs. Vendors can respond to the RFP in ProcureOne. The RFP market interest period closes on July 26, 2024.

Fannie Mae posted the June Appraiser Quality Monitoring (AQM) list to Fannie Mae Connect™. The monthly list will also be available on the AQM page through July 30, 2024, when Fannie Mae Connect will be required for viewing.

FHFA published updated aggregate statistics from the National Mortgage Database (NMDB®) and launched the NMDB Aggregate Statistics Dashboard, a new data visualization tool for the NMDB Outstanding Residential Mortgage Statistics. The release describes outstanding residential mortgage debt at the end of the first quarter of 2024. FHFA Releases Data Visualization Dashboard for NMDB Outstanding Residential Mortgage Statistics has been posted.

Capital Markets

There was plenty of economic data released over last week’s holiday-shortened week. The U.S. economy is based on jobs and housing, and last week it was jobs’ turn to be center stage. The focus was on employment stats for June which saw nonfarm payrolls increase by 206k in June. Despite the increase, the previous two months were revised down by a combined 111k which brought the average increase over the second quarter to 176k per month. The unemployment rate rose from 3.96 percent to 4.05, the first time above 4 percent since January 2022. Labor force participation also increased slightly.

As the labor market continues to become more balanced the upwards pressure on wages has eased and average hourly earnings were down 0.2 percentage points on a year-over-year basis to 3.9 percent. The other major data out last week was the Institute of Supply Management indices which both came in below economists’ expectations. The Personal Consumption Expenditure deflator eased to 2.6 percent over the last twelve months in May as well. Sustained easing of inflation as well as a looser job market bode well for a potential rate cut in September. Following last week’s data, the odds of a cut in September are nearly three-in-four.

This week’s economic calendar includes some Treasury auctions of notable duration (3-year, 10-year, 30-year), May Wholesale Inventories, CPI and PPI, as well as preliminary July University of Michigan Consumer Sentiment. The only data point on today’s calendar is May Consumer Credit, due out this afternoon. We begin the 5-day work week with Agency MBS prices little changed from Friday, the 10-year yielding 4.29 after closing Friday at 4.27 percent, and the 2-year at 4.62.


Seeking growth capital, equity, debt, or strategic alternatives? An IMB consultant with 34 years of executive management experience in the mortgage space is available to support your efforts! E-mail industry veteran Steve Landes for more information on helping you grow your business.

Top Producing Loan Officer Alex Rayner Partners with Service First Mortgage to Launch Haymaker Home Loan! Alex Rayner has partnered with Service First Mortgage to launch Haymaker Home Loans, a company dedicated to supporting top producers. “This collaboration provides access to cutting-edge technology, products and services, ensuring loan officers thrive in a competitive industry,” Rayner said. Earning an MBA from the University of Houston, Alex is dedicated to providing exceptional service. His industry acumen and skill with client relations set him apart. For loan officers looking to start their own mortgage company, Rayner advises exploring options with Service First Mortgage. “Starting a mortgage company from scratch is a daunting task,” Rayner said. “By partnering with Service First Mortgage, you gain immediate access to essential resources, advanced technology, and a support team. This allows you to focus on what you do best, e.g., originating loans and serving clients, without the overhead and operational challenges of building a company from the ground up.” Inquiries should be directed to James Wallace!

“ACC Mortgage is coming off its 2nd best month in its 25-year history. 2024 is shaping up to be our best year ever! How many mortgage companies can claim that? Are you planning for your next 25 years? ACC is seeking four (4) well-qualified Account Executives or a team that is looking for support, pricing, culture and stability. ACC makes Non-QM easy. Recent articles discuss ACC’s vision. For example, ACC’s Senko talks non-QM outlook! Send a resume for confidential interview.“

 Download our mobile app to get alerts for Rob Chrisman’s Commentary.


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When it comes to home design, we all have our own personal aesthetics and tastes — and on the flip side, I know we can all think of a trend or two that we just can’t get behind. But when I came across this viral series on home design “icks” from TikTokers Ethan Gaskill and Robert Gigs, I was reminded that sometimes it’s the smallest, most wildly specific decor elements that can annoy us the most.

Monkeybusinessimages / Getty Images/iStockphoto

Naturally, it got me thinking: If two people could have so many super specific (and super relatable) hot takes on these design trends, what opinions are the rest of us holding on to? So, I’m turning to you, our BuzzFeed readers, to hear your biggest “icks” and hot takes when it comes to subtle design trends in 2024.

For the record, I’m not talking about the divisive, incredibly popular design trends that nobody ever agrees on: the sliding barn doors, floating staircases, modern farmhouse exteriors, etc. I’m talking about the niche little interior (or exterior) design features that always send a chill down your spine…even if you feel like you’re the only one that ever notices them.

As low-key terrified as I am to admit my biggest “ick” on the internet, I’ll go first. While I am all for fiberglass shower surrounds — they’re straightforward, way cheaper than tile, and easy to clean — shower surrounds designed to look like faux tile make me uneasy. I cannot explain it, but that is my truth.

Maybe your niche home ick is a bedroom with a ceiling fan (stunning!) — and the only lighting in the bedroom is said ceiling fan’s light.

Ablokhin / Getty Images/iStockphoto

Fun fact: Someone I know (not me, I swear) absolutely loathes patterned outdoor rugs and says that adding one to your al fresco living space is the quickest way to ensure your home gives soccer mom vibes.

Stu99 / Getty Images

Or, maybe you just can’t bear to see another arrangement of dried flowers on someone’s dining table. They think it’s elegant, and you think it looks like…death.

Juergen Sack / Getty Images/iStockphoto

Whatever your niche home design “ick” is, we want to hear from you. And remember: While you can write in with obvious design trends (like open floorplans, exposed shelving, or color-coded bookshelves), the more specific and personal you can get here, the better. Tell us all about the subtle home decor element that makes you see red in the comments below, or fill out this form if you’d prefer to stay anonymous. We’ll feature the best responses in a future BuzzFeed Community post.