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I wanted to inform you, guaranteed rate laid off 87 employees November 1, 2022. They have furloughed their underwriters to work 4 days a week until March 2023, production managers must take a week off no pay for 6 months, closers have been laid off constantly throughout 2021 and 2022, last layoff November 1. The remaining closers will be furloughed effective November 7 to work 4 days a week.