Mm.

And that was particularly acute here in South Florida.

I live in Miami, and we saw an influx of, uh, uh, uh, Cuban Americans, who are now Americans, and candidly they were not bankable.

And so the whole mortgage broker industry was created as non-bank portals for home financing.

And over all these years, the word mortgage broker has changed.

It started out as a business, then it became an individual in certain licensing constructs.

Then all of a sudden we changed the laws under the SAFE Act and we all became originators.

And of course, thank you for your volunteering and your service throughout the years, and I know you continue to do that as well.