[laughs]

... very big, very big change, very exciting change.

I think, um, this will be really telling into how kinda shaking up things that we have relied upon for decades, how that could help with affordability.

So very excited to see what the future has in store, especially that post-January date.

Uh, we've been, you know, hard at work getting the credit score model changes into our platform, into our engine, but we've really tried to be diligent about ensuring that it's not just how Optimal Blue will be supporting these new fields to support the rate sheets and, you know, support any of the LPA grids that could come out or have come out, and really make sure that we have, you know, the lenders' best interests at heart when doing that.

So making sure that how we build this out works as seamlessly as possible through a lender's tech stack, and that's been some of the, the challenging pieces of making sure that we've been communicating clearly, we understand how our loan origination system partners will support this, our point of sale partners will support this, and making sure that that data flow from start to finish for our customers is as seamless as possible.

'Cause it's critical.

Okay, we're gonna talk about the summit, but one thing I wanted to touch on is the way that you guys are utilizing AI is your Virtual Economist, right? So you launched that at your last conference, but, like, now you've launched general availability for it, and I would love to know, you know, how is it helping lenders to plan for what's next? And maybe first tell what it is.

When, when people talk to you about these models, what, what, what are they wondering? What, what are, what are people grappling with right now?

Yeah.

One of my favorite topics right now and, uh, top of mind, I think, for so many, and it really ties around how the data is passed back and forth, um, and then how customers can, like, operationalize around that.

So a lot of the conversations that I've been having lately is more in the tech provider space on how everybody's going to be treating the data, and are we flexible enough to allow for different, different interpretations that clients may wanna apply to how they ingrain the different credit score models into their current process.

So I think on paper, it sounds so simple and straightforward of a change or an introduction, but as with anything in mortgage, there's all these layers of complexities and nuance and, like I said, different interpretations, and everyone's trying to move fast.

To your point, there's, there's lots of movement around this.

There's been, I think, a long runway of discussion about the new credit models, and now it is pedal to the metal, it feels.

So as you said, you have to evaluate what this looks like in your process as a mortgage originator, but how, how do you make a change like this that affects your whole tech stack? Like how do you approach that today and, and how do you approach it going forward?