 I met with a couple. They decided to come in and want to meet in person, and we spent an hour together. But for the last three years, they have not even thought about looking at buying a home because they both know they have credit issues and they're embarrassed about it. And for me, it's a nonjudgmental zone. I had credit issues in the past. I fixed them. I know how to help people fix them. It's figuring out where you're at and then giving you the answers that you need so you can get to where you need to be.