 But also, you said before you came on, a lot of people, Carol, are trying to wait till the rates go down and it's probably one of the worst things they could do. So let's go ahead and first talk a little bit about you and then why people should not wait. Absolutely. Thank you so much, Carol. Happy to be back. So yeah, there is a really big difference between being just a direct lender or a bank versus being a broker.