W. Edwards Deming said “Marketing and innovation are the only source of value in business, everything else is a cost”. And he was right.The only thing that adds to your bottom line is demand for your product. Demand is created by offering people products they want (innovation) and effectively communicating the benefits they will enjoy once they own your product (marketing).As a mortgage broker you have very limited control over the innovation part of your business because the loan products ava.