What makes an examination process effective from the industry standpoint? So when exams get kicked off and they, you know, the regulators are coming in, what is it you guys would like to see more for a better effective process?

I think one of the things and we see it a lot, but I think what I've seen that's been effective is just true collaboration.

So like letting us explain why we do the things we do, how our controls function, because I think one of the challenges that regulators likely have is like you think about.

regulating a five-person mortgage broker versus regulating UWM.

Those are just going to be two completely different business models and the way things work are going to be completely different.

So taking the time to understand what they're looking at, understand why things happen the way they happen.

I mean, I think I speak for Melissa and frankly, the whole industry, or at least a vast majority of the industry is like, we're trying to do things the right way.

But what's something state regulators do that you think the industry doesn't say thank you enough that the regulators do?