Florida foreclosure numbers show big gainDon Ackerman will step down as chairman of WCI Communities at the company's next annual meeting, a sure sign that significant changes are in store for the struggling Bonita Springs-based homebuilder. Going into December, shares of PGT, the Venice-based impact-resistant window and door manufacturer, had been hovering in the $11-per-share range, and what's more, overall, the stock had decreased 15% since its June IPO and 33% since its all-time high of $18.84 Aug. 3.That was until SunTrust Robinson Humphrey analyst Keith Hughes upgraded his rating on the stock to buy from neutral.Coffee Talk is always a little weary when it hears about new products that come with a "change the entire dynamic" tag, be it small business banking or the latest stock craze. A little dose of skepticism can go a long way.But we perked up after talking to a few bankers about remote deposit capture, a federally approved system that equates digital check images with paper checks. It allows banks to provide a way for clients to scan paper checks and deposit them electronically. Coffee Talk usually takes the color-blind approach to judging businesses - or more to the point, if there's any color to be judged, the one with the most cache would be green. Hence, lists breaking down entrepreneurs by racial or gender categories are usually little more than window dressing.