With additional reporting from Alex Dalenberg.
NEW YORK ( MainStreet) -- It took 10 long years for Mike Railey to build a better mousetrap. But in these distracted digital days, nobody seems to care.
Railey's long ride in oblivion is a sobering example of what happens when the lure of the virtual overcomes the reality of the practical. An early morning San Diego surfer dude, Railey handled more than a hundred loans per week for SoCal homebuyers at the dawn at the millennium. And like many longboarders, he dreamed of a ride that would ride itself.