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Steve Pawlowski Managing Director, Head of Technology Solutions at MCT

MCT, the leader in innovative mortgage capital markets tech, appoints Steve Pawlowski as Head of Technology Solutions

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, today announced the appointment of Steve Pawlowski as Managing Director, Head of Technology Solutions. Mr. Pawlowski will be responsible for expanding upon MCT's proven record of driving efficiency and liquidity in the secondary market. He will report directly to MCT's COO, Phil Rasori.
MCT Lock Volume April 2023

MCTlive! Lock Volume Indices: April 2023 data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and...

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for April 2023. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
United States of Ink

United States of Ink Introduces its ‘Revolutionary’ Tattoo Numbing Cream for a ‘painless tattoo experience’ like never before

LA MESA, Calif. /California Newswire/ -- United States of Ink, a trailblazer in tattoo care, is pleased to announce the launch of its revolutionary premium numbing cream on May 15, 2023. This proudly American product embodies the spirit of freedom, allowing tattoo lovers across the country to boldly embrace ink without fear of pain.
MCT - Mortgage Capital Trading

Fintech Leader MCT’s AOT Automation Improves Mortgage Lender Profitability and Investor Efficiency

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, announced that it has automated the process of digital TBA trade assignment during the loan sale process for both mortgage lenders and participating correspondent investors. This automation makes assignment of trade loan sales (AOTs) faster, more convenient, and easier for investors to offer.
MCTlive! Lock Volume Indices: March 2023 Data

MCTlive! Lock Volume Indices: March 2023 Data — a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and...

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for March 2023. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
MCT - Mortgage Capital Trading

BSI Financial Joins MCT Co-Issue Marketplace BAMCO

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, announced that BSI Financial Services (BSI) has become the latest investor to join BAMCO, MCT's new marketplace for co-issue loan sales. BAMCO brings co-issue transactions directly into MCT's whole loan trading platform and improves price transparency by connecting unapproved sellers to live executions from potential buyers.
MCTlive! Lock Volume Indices: February 2023 data

MCTlive! Lock Volume Indices: February 2023 data from a balanced cross section of several hundred lenders

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for February 2023. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
Stephanie Summers Speaks at Advisor Group’s Annual W Forum Event

Stephanie Summers of Kramer Wealth Managers Speaks at Advisor Group’s 16th Annual W Forum Event

SAN DIEGO, Calif. /California Newswire/ -- Stephanie Summers, a Frederick, MD-based financial advisor with Kramer Wealth Managers, affiliated with FSC Securities Corporation, was featured as a keynote speaker at Advisor Group's annual W Forum conference, held in San Diego, Calif. February 6-8, 2023.
Lock volume for January 2023 broken out by transaction type

MCTlive! Lock Volume Indices: January 2023 Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and...

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for January 2023. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
We Inspect LLC

We Inspect LLC in San Diego Acquires Certified Mold Inspections and The Mold Guy

SAN DIEGO, Calif. /California Newswire/ -- We Inspect, LLC, a global mold inspection, consulting and health technology company, recently acquired Certified Mold Inspections and The Mold Guy. Its acquisitional goal is to unify these individually-owned family businesses under one name and to better serve the community as a whole.
MCT - Mortgage Capital Trading

Fintech Innovation Firm, MCT, is First to Integrate with Freddie Mac’s Income Limits API

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, is pleased to announce it is the first secondary marketing platform to integrate with Freddie Mac's Income Limits application programming interface (API) created for the first-time home buyer area median income (AMI) limits. Income Limits allows for the accurate pricing of Credit Fee in Price (Exhibit 19, or "Credit Fees") waivers.
TMC Emerging Technology Fund LP

TMC Emerging Technology Fund LP Invests in TRAiNED Inc., in a $1 million Simple Agreement for Future Equity

SAN DIEGO, Calif. /California Newswire/ -- The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, announced today that the TMC Emerging Technology Fund LP (the "Fund") recently participated in a $1 million Simple Agreement for Future Equity (SAFE) funding round for TRAiNED, Inc.
MCTlive! Lock Volume Indices Data for December 2022

MCTlive! Lock Volume Indices Data for December 2022 Released by Mortgage Capital Trading, Inc.

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for December 2022. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
Lock volume for November 2022 broken out by transaction type

MCTlive! Lock Volume Indices: November 2022 Data for Housing Markets

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for November 2022. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
MCT - Mortgage Capital Trading

MCT Launches BAMCO, a Co-issue Loan Sale Marketplace for Finance Industry

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, announced the release of BAMCO, a new marketplace for co-issue loan sales. Co-issue loan sales, also known as flow-based mortgage servicing rights (MSR) sales, are a three-way transaction involving the sale of loans to one of the agencies with a simultaneous sale of the MSRs to a separate third party.
Jennifer Kennelly

MCT Expands Investor Services Team, Appoints Jennifer Kennelly as Senior Director

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a recognized industry leader in mortgage risk management providing pipeline hedging, best execution loan sales, and centralized lock desk services, announced today that Jennifer Kennelly has been appointed as the new Senior Director of MCT's quickly expanding Investor Services team.
Figure 1: Lock volume for October 2022 broken out by transaction type

Mortgage Capital Trading’s MCTlive! Lock Volume Indices: October 2022 Data

SAN DIEGO, Calif. /California Newswire/ -- MCT®, the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for October 2022. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
BOOSTER TROOP Animation Project

BOOSTER TROOP Animation Project Tackles Misinformation, Vaccines for Media Literacy Week

SAN DIEGO, Calif. /California Newswire/ -- Founded by two black doctors who tired of watching patients who looked like them die sicker and younger, Welfie is launching "Booster Troop," a fun health media literacy initiative that helps underserved children better spot misinformation. It launches October 24 for Media Literacy Week, and it includes a 7-minute animated episode in both English and Spanish, a lesson plan, and other classroom materials. Welfie provides culturally competent health and mental health education and care coordination to schools.
MCT - Mortgage Capital Trading

MCT® Named a Best Place To Work 2022 by San Diego Business Journal

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), an industry-leading capital markets advisory firm, announced that it has been named Best Places to Work 2022 by the San Diego Business Journal (SDBJ). MCT was ranked number seven in the medium-sized company category (50 - 249 U.S. employees). This award is designed to identify, recognize, and honor the best places of employment in San Diego that benefit the county's economy, workforce, and local businesses.
MCT: Lock volume for September 2022 broken out by transaction type

MCT Announces Monthly MCTlive! Lock Volume Indices: September 2022 Data

SAN DIEGO, Calif. /California Newswire/ -- MCT®, the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for September 2022. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
MCTlive! Lock Volume Indices for August 2022

MCT releases MCTlive! Lock Volume Indices for August 2022

SAN DIEGO, Calif. /California Newswire/ -- MCT®, the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for August 2022. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
MCT - Inc 5000

INC. 5000 Ranks Mortgage Capital Trading, Inc. (MCT®) On Its 2022 Fastest Growing Private Companies List For 11th Time

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, announced that Inc. 5000 named MCT to its 2022 list of winners for the nation's fastest-growing private companies. MCT ranked number 4713 with three-year sales growth of 90% percent. This is the second year in a row that MCT made Inc. 5000's list and the company's 11th year making the list since its inception.
TMC Emerging Technology Fund LP

TMC Emerging Technology Fund LP invests in Willow Servicing, participates in a $6 million seed round

SAN DIEGO, Calif. /California Newswire/ -- The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, announced today that the TMC Emerging Technology Fund LP (the "Fund") recently participated in a $6 million seed round for Willow Servicing. The round was led by Thomvest Ventures, with participation from Global Asset Capital, Webb Investment Network and Zigg Capital.
MCT - Mortgage Capital Trading

MCTlive! Platform Becomes First to Integrate with Freddie Mac Cash Settlement Purchase Statement API

SAN DIEGO, Calif. /California Newswire/ -- MCT's award-winning capital markets platform, MCTlive!, is the first to integrate with Freddie Mac’s Cash Settlement Purchase Statement API. This API connection allows MCT Mark-to-Market and Hedge Accounting Reports to be updated with Freddie Mac purchase data directly, instead of waiting to run reports through a Loan Origination System (LOS).
MCT's Natalie Arshakian

Natalie Arshakian named a 2022 Mortgage Star by Mortgage Women Magazine

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, announced today that National Mortgage Professional's Mortgage Women Magazine selected Natalie Arshakian, Senior Director and Head of Lock Desk Operations at MCT, to its annual 2022 Mortgage Star Awards.
MCT's Natalie Arshakian

MPA Magazine Names MCT’s Natalie Arshakian to List of Elite Women For 2022

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, announced today that Natalie Arshakian has been selected to Mortgage Professional America (MPA) magazine's list of Elite Women in Mortgage for 2022. The annual awards, now in their sixth year, celebrate 67 successful women who are taking on gender inequality in leadership by continuously challenging societal expectations.
MCTlive! Lock Volume Indices for July 2022

MCT Releases MCTlive! Lock Volume Indices for July 2022, Covering Mortgage Lender Activity

SAN DIEGO, Calif. /California Newswire/ -- MCT®, the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for July 2022. MCT Data represents a balanced cross section of several hundred lenders among retail, correspondent, wholesale, and consumer direct channels.
Curtis Richins of MCT

Mortgage Banker Magazine Names Curtis Richins of MCT on 2022 Legends of Lending List

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, announced that Curtis Richins, President of MCT, has been selected to Mortgage Banker Magazine's inaugural "Legends of Lending" list. The magazine's inaugural class was compiled to highlight the most talented, ambitious, and legendary individuals who are achieving excellence and making a difference in the mortgage industry.
Lock volume for June 2022 broken out by transaction type

MCTlive! Lock Volume Indices: June 2022 Data – represents a balanced cross section of lenders among retail, correspondent, wholesale, and consumer...

SAN DIEGO, Calif. /California Newswire/ -- MCT®, the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for June 2022.
TMC Emerging Technology Fund LP

TMC Emerging Technology Fund LP Invests in leadPops, a digital customer acquisition software and marketing innovation platform

SAN DIEGO, Calif. /California Newswire/ -- The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, announced today that the TMC Emerging Technology Fund LP (the "Fund") recently participated in a follow-on round to a recent $3.5M Series A completed by leadPops, a digital customer acquisition software and marketing innovation platform. leadPops allows users to create robust, automated lead-generating systems that drive qualified leads directly to their business.
MCT - Mortgage Capital Trading

New MSR Technology from MCT Empowers MSR Buyers with Live Loan-Level Pricing

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, has announced today a new technology for mortgage servicing rights (MSR) buyers to produce more granular pricing for mortgage servicing. The feature leverages an application programming interface (API) to connect MSRlive!, MCT's state-of-the-art MSR valuation platform to clients' systems for more precise and accurate loan-level pricing in real time.
MCT Lock volume for May 2022 broken out by transaction type

MCT, the leader in capital markets software, announces MCTlive! Lock Volume Indices May 2022 Data

SAN DIEGO, Calif. /California Newswire/ -- MCT®, the leader in capital markets software and services supporting more lenders with hedging and pipeline management solutions than any other single provider, is pleased to present the MCTlive! Lock Volume Indices for May 2022.
Interactive Education Program SPINE

Spine IEP Fellows & Young Surgeons’ Course Launches Women in Spine Initiative for 2022

SAN DIEGO, Calif. /California Newswire/ -- Magnifi Group, Inc., announced today the first two scholarship recipients of the Women in Spine Initiative for its 2022 Spine IEP Fellows & Young Surgeons' Course - Austin, Texas, November 18-20. PGY 3 orthopaedic candidates from major US medical school residency programs were invited to submit their credentials for consideration.
MCT: Lock volume for April 2022 broken out by transaction type

New MCTlive! Mortgage Lock Volume Indices to help all industry participants better understand key trends in the mortgage industry

SAN DIEGO, Calif. /California Newswire/ -- MCT®, the leading pipeline hedge advisory in the residential mortgage industry, is pleased to announce the introduction of new MCTlive! Mortgage Lock Volume Indices to help all industry participants better understand key trends in the mortgage industry.
San Diego-based TbSpoon

San Diego-based TbSpoon Launches First and Only Authentic Mediterranean Meal Prep Service

SAN DIEGO, Calif. /California Newswire/ -- TbSpoon, an authentic Mediterranean meal prep delivery service, announced the launch of its southern California operations, the first Mediterranean meal prep service in the U.S. TbSpoon's meals are filled with Mediterranean flavors and offer all the positive benefits of a Mediterranean diet.
MCT - Mortgage Capital Trading

HW Tech100 Mortgage 2022 Award Honors MCT As Leader In Innovation

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, was announced as a 2022 HousingWire Tech100 Mortgage Winner. The Tech100 Mortgage Award spotlights innovators that are making the housing sector better and more sustainable by increasing efficiency, improving borrower experience and bringing elasticity to mortgage origination and servicing processes.
Janet Flores Pavlovich, Founder of COYOTAS

COYOTAS Tortillas in San Diego is 2022 Pitch Slam People’s Choice!

SAN DIEGO, Calif. /California Newswire/ -- On April 7, at the "Naturally San Diego" 2nd Annual Pitch Slam, "COYOTAS" Cassava Tortillas, took the People's Choice Award in this Shark Tank style event, showcasing Southern California's emerging and promising natural products companies and their owners in front of a board of experts and a live audience. The sole purpose of this event is for the local community to support and drive growth in their industry.
Ben Itkin of MCT

Mortgage risk management leader, MCT, names Ben Itkin National Sales Director

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a recognized industry leader in mortgage risk management providing pipeline hedging, best execution loan sales and centralized lock desk services, announced today that Ben Itkin has been appointed the new National Sales Director.
MCT Live!

MCTlive! Integrates with Fannie Mae Connect Whole Loan Purchase Advice Seller API

SAN DIEGO, Calif. /California Newswire/ -- MCT's award-winning capital markets platform, MCTlive!, is now integrated with the Fannie Mae Connect™ Whole Loan Purchase Advice Seller API. This API connection allows MCT Mark-to-Market and Hedge Accounting Reports to be updated with Fannie Mae purchase data instantly, instead of waiting to run reports through a Loan Origination System (LOS).
Legalize Ferrets

California Ferret Owners Submit Ballot Initiative to Attorney General for Legal Opinion – AG Ignores Civil Code on Domestic Animals

SAN DIEGO, Calif. /California Newswire/ -- Non-profit Legalize Ferrets (legalizeferrets.org) announced today that we are disappointed that California Attorney General ignores Civil Code in Domestic Ferret Ballot Initiative. The ferret legalization grassroots organization, has repeatedly asked the California Attorney General for a legal opinion.
El Pollo Grill

San Diego’s El Pollo Grill is THE Local Mexican Food Spot for Foodies in 2022

CHULA VISTA, Calif. /California Newswire/ -- The team at El Pollo Grill knows that a new year brings with it new opportunities for patrons to have wonderful culinary adventures at their 3 dining establishments (Lemon Grove, Otay Ranch, and Bonita Rd. in Chula Vista). Although the focus is on the future, El Pollo Grill has a rich history that continues to shape the business.
Marketing Expert Scott Shepherd

ReverseVision adds Marketing Expert Scott Shepherd to Help Elevate Brand

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision®, the leading national provider of Home Equity Conversion Mortgage (HECM) and private reverse mortgage sales and origination technology, announced that seasoned marketing executive Scott Shepherd has joined the company to head its marketing efforts. As head of marketing, he oversees ReverseVision's marketing department and is responsible for the design and implementation of its new marketing strategy.
Matrix Networks - LANtelligence

LANtelligence Acquired by Matrix Networks to Create a CX-Automation Powerhouse

SAN DIEGO, Calif. /California Newswire/ -- Matrix Networks announced its recent acquisition of LANtelligence to create a new business venture enabling a powerful combination of modern business technology. Having informally shared resources for more than 10 years, it just made sense for these two companies to come together in a more structured way.
TMC Emerging Tech Fund

TMC Emerging Technology Fund LP recently participated in a $38M Series C investment round for AI Software, LLC dba Capacity

SAN DIEGO, Calif. /California Newswire/ -- The Mortgage Collaborative (TMC), the nation's largest independent cooperative network serving the mortgage industry, announced today that the TMC Emerging Technology Fund LP (the "Fund") recently participated in a $38M Series C investment round for AI Software, LLC dba Capacity. Capacity is an AI-powered support automation platform.
Moprtgage Industry Veteran Steve Butler

ReverseVision Announces Hiring of Mortgage Industry Veteran Steve Butler as Director of Business Development

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision®, the leading national provider of Home Equity Conversion Mortgage (HECM) and private reverse mortgage sales and origination technology, announced that it added long-time mortgage professional Steve Butler to the company's sales team, who brings more than 35 years of experience to the company. ReverseVision has been adding resources in key functional areas as part of its strategic expansion plan.
ReverseVision and Trust Lending

Trust Lending Leverages ReverseVision Fintech Platform to Grow Reverse Mortgage Wholesale Business

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision®, the leading national provider of Home Equity Conversion Mortgage (HECM) and private reverse mortgage sales and origination technology, announced that Trust Lending, a national mortgage banker, has gone live with ReverseVision's Exchange (RVX) platform for its wholesale lending channel. The platform helped Trust Lending springboard its wholesale channel into easily and expeditiously originating loans for reverse mortgage products.
Mortgage Capital Trading - MCT

MCT Trading Launches Dynamic Learning Center to Empower Lender Growth and Profitability

SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a recognized industry leader in mortgage risk management providing pipeline hedging, best execution loan sales and centralized lock desk services, announced the debut of its new Learning Center, a one-stop educational content database for each stage of growth of a mortgage lender in the secondary market.
Interactive Education Program - SPINE

Record Sponsor and Fellow-Young Surgeon Turnout Noted for 2021 11th Annual Spine IEP Course

SAN DIEGO, Calif. /California Newswire/ -- Magnifi Group, Inc., a developer of e-learning technology for the medical device industry, reported a record turnout of medical device and biotech companies at its 11th Annual Spine IEP Fellows & Young Surgeons' Course (Spine Interactive Educational Program). The course was held November 19-21, 2021 at The US Grant Hotel in San Diego.
Eric Samuelson and Andres Ochoa of ReverseVision

ReverseVision Adds New Team Members to Support Expansion of Functional Areas and Corporate Infrastructure

SAN DIEGO, Calif. /California Newswire/ -- ReverseVision, the leading national provider of Home Equity Conversion Mortgage (HECM) and private reverse mortgage sales and origination technology, announced that it added Eric Samuelson as vice president of finance and Andres Ochoa as systems administrator. The two positions will play key roles in optimizing internal functions and prepping the company to scale.
Book: True Joy for the Retired

True Joy for the Retired: new book reveals breakthrough in unleashing the power of appreciation, love and inclusion between generations

SAN DIEGO, Calif. /California Newswire/ -- Paulina Kay has released a new book entitled "True Joy for the Retired, A Holistic Approach to Spreading the Love to Our Forgotten Elderly" (ISBN: 978-1773710075). It shows the young and old how to overcome: the deeply rooted Disconnection between generations; the often heartbreaking loneliness and hopelessness of the elderly; and the fear about getting older.

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