YIELDS: 6 PREP TIME: 15 MIN TOTAL TIME: 40 MIN INGREDIENTS: ½ (1 lb) box lasagna noodles 1 tbsp extra virgin olive oil ½ large onion, chopped 3 cloves garlic, minced Kosher salt Freshly ground black pepper ½ tsp red pepper flakes 10 oz. baby spinach 1 tsp lemon zest 2 cups ricotta 1 large egg 1 cup freshly grated

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Mortgage credit availability has increased year over year since December 2012 according to a report from the Mortgage Bankers Association (MBA) that analyzes data from Ellie Mae’s AllRegs® Market Clarity® business information tool. Web source: https://www.mba.org/news-research-and-resources/research-and-economics/single-fa This report is known as the Mortgage Credit Availability Index (MCAI). Increases in the

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