Right.

You have your state and local down payment assistance, and then you have your national down payment assistance.

The national down payment assistance like us, where you can use our product anywhere except for New York, gives you the flexibility and the ease that you need as a loan officer.

What do I mean by that? Because we're nationwide, our program guidelines is one.

You only have one guideline to worry about.

So let's say you're originating in Portland, but you have a referral in California.

The nice thing is you don't have to go learn Tau Hafa.

So what are some of the things that they should be doing in order to market themselves?