But Dave Zitting had already positioned his company ahead of the curve. 예를 들어 프라이머리 레지덴셜 모기지는 서프라임 대출을 포기하고 FHA, VA, USDA 대출에 집중하기로 전략적 결정을 내렸습니다. When the housing bubble burst, the company was already out ahead of the competition.