 Because he's been doing it for a long time. He takes the angst out of the process. Let him do his thing. And he's now affiliated with Troy Bank and Trust. Now, the charter of Troy Bank and Trust forbids them from ever being sold, merged, absorbed. They're here for the long haul, just like Morris is for you. They have resources throughout the state. Morris has access to those to get you that mortgage, to get you the money you need for a home improvement, for investment purposes, or to launch a business.