 Great, great. Later on the show, we'll be discussing mortgages and loan options with John Spurr, who is the CEO and founder of Inspired Life Mortgage, which is a subsidiary of Inspired Life Group. Let's dive right into the NER settlement update. Don, would you like to chime in? Certainly. So as everybody probably has a little bit of background here and knowledge that the way that brokers are being compensated is changing and