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12 THE APP SPECTRUM TECHNOLOGY FOR DEFAULT SERVICING PROFESSIONALS ON-THE-GO. Tone Check Tone Check does for the emotional level of your emails what spellcheck does for your spelling. Tone Check is a plug-in that allows you to check your tone before you send an email, and it is as easy to use as spellcheck. e app will alert you to the tone of your email using one of any number of descriptors, including "depressing," "exhausting," or "upsetting." Additionally, you can set it to a customized level of sensitivity depending on who the recipient(s) of your email will be. (Free, Microsoft Outlook, Google, Lotus Notes) KBRA With the Kroll Bond Rating Agency's mobile app, you can access up-to-the minute credit ratings, research, and commentary from all fixed-income markets across North America. Receive notifications when new research is published or access any historical research—and all reports can be viewed from within the app. You can set up personalized searches and save them, or you can filter content and create personalized views. You can even access your downloaded research while offline. (Free, iOS) Vesper e Vesper app provides a way for you to "collect your thoughts." You can gather notes, ideas, things you need to do, or anything you want to remember. You can even organize your notes in whatever way feels comfortable to you—attach photos to your notes, group related notes together with tags, reorder notes using drag and drop, or archive notes with one swipe. Lastly back them all up with the nifty Vesper Sync feature. ($2.99, iOS) Slack Slack is a communications platform designed to "make your working life simpler, more pleasant, and more productive." It provides a chat-room-type format that allows you to communicate with your team more smoothly and effectively. Plus, e app will even send non-intrusive notifications to the corner of your screen when someone is trying to reach you. (Free, iOS, Mac, Android, Web) Clear "Untangle your life" with Clear, a to-do and reminders app that allows you to organize your life and stay focused. It's as simple as pulling down to add a new item and swiping right to complete a task. Create multiple lists to manage every aspect of your life and sync your lists via iCloud to access them from anywhere. e newest feature allows you to set reminders for your most important must-dos. ($4.99, iOS, Mac)