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Ralph and Conrad's unique and entertaining approach to motivation and training of loan production personnel is just right for the new millennium. Ralph and Conrad's straightforward, no nonsense and to the point approach creates an atmosphere in which the trainees, whether new to the industry or seasoned veterans, can get down to basics and excite their creative juices.  Ralph and Conrad have spent their entire lives as salespeople in the Mortgage Industry. They both can say "I've done what you do!"”