I can teach people to do really

well.

I think it's square on the opportunity quotient, right? Every lender out there at some point in their business was either stuck with this mindset or they've come into it thinking that our...

flow of business and how busy we're going to be and how productive we're going to be is entirely dependent on the rate environment.

And that's putting way too much control in things that are outside of us, right? Instead of actually seizing control or that they think that the only way to get business is by making as many phone calls to real estate agents that don't like you and convince them to go to coffee and have a conversation that they don't want to have with you.

And somehow that that's going to create business for you.

And so it's kind of like, it's kind of the way it's always been.

But what's your thought process on all these different platforms? Do you have to hit them all? Should you just kind of like kill that noise with all of them and really start focusing on one? Where's your opinion

Mm-hmm

... could not be more, uh, in line or parallel to that thesis.

Right now, with what's going on in the global space, right, and the geopolitical strife and turmoil that's happening, is actually creating much more of an opportunity now for buyers to be able to break into this market.

Buyers have not, have had a really tough time because of increased competition, very limited inventory to choose from.

We still have this huge imbalance in the United States of, like, so many people that have their hand in the air saying, "I want a home," and there's not enough homes for them.

And because of those very simple and basic supply and demand economics or metrics, if you will, it's why housing can't crash.

A lot of people have been saying, "The market's gonna crash." It's not gonna invert.

Absolutely.