1. During COVID almost everyone was WFH of course. Then Remote and Hybrid were permitted until March 2022, when management did a 180 about face with- no kidding - 100% mandatory onsite with badge swipe monitoring. Employees that weren't looking suddenly had another reason to.
2. Company's leadership is 2-faced, bragging to analysts about the increasing value of MSRs (mortgage servicing rights) during a rising rate environment, whilst "eliminating positions" of hundreds of employees each month to "manage costs".