The subprime mortgage crisis of 2008 had a severe effect on the national economy and the economy of this state, an effect from which the operations of the Appellate Division, Second Department were certainly not immune. Now, more than 12 years later, the mortgage foreclosure litigation spawned by that crisis continues to have an enormous impact on the work of our court. First and foremost among the enduring legacies of the crisis is the sheer volume of appeals that have been generated by the explosion in residential mortgage foreclosures occasioned by the crisis. This steady stream of litigation has also required our court to grapple with legal concepts that previously seemed settled, but now must be applied to new methods of handling mortgages that have been adopted by lenders.