I wanted to say 17 years, that's a lot of pizza.

Yeah.

Trust me, I've done the numbers before.

So 17 years, and then when I got into mortgages, a really good friend of mine said, long story short, I did what everybody does.

I went to my local checking savings bank, tried to get pre-qualified.

90 days later, nobody can tell me what's going on.

Couldn't find a loan officer.

Okay, so then what were some of the issues maybe that you kind of saw? Not that somebody was doing something wrong because I don't like to play the blame game here, but maybe something that you could lend your expertise to or maybe something that you could maybe shift in a better direction.