This could be something I could do.

Well, my father traveled down there with me.

It's about a five-hour drive from here.

And I told my dad, we walked into the Coliseum.

I said, oh, my gosh.

I says, I'm the smallest guy here.

And he says, well, I said, but you know what? I had confidence.

and

Right, Mark, starting with you, we started on this journey and it has been a bit of a journey going back to, it must have been about March of 2025, I think.

It started actually just before that.

I became aware of the Hynet project in, I think it was November 2024.

And I started then looking at what they were doing and thinking it was really stupid.

Bluntly, that's where I thought, why would you do this? And from a chemistry point of view, I started doing some calculations on the volume of acid that will form when you put it into the reservoir.

Because basically, when you pump this stuff in, it's not inert.

It has molecules in it that will react.

But, but, but they didn't know what they were voting for, did they?

Tell me about the creation and some of the development of that Help for Heroes program.

Yeah, so Help for Heroes program has been around for about eight years, and I wasn't around when it first started.

I've been with LifePoint for a little over a year, but obviously I've been in the Army for 13 years, so it's been a part of my life in that regard.

Like a lot of special populations, I think what...

My point realized early on was that this is a patient population that needed to have a level of resources.

It just wasn't available with regards to expertise.

Right? And so I think helper, he was realized we needed to.

Tell me a little bit more about this dysfunctional resilience and how do you build resilience that isn't dysfunctional?

Mark, what are your thoughts on the current situation and which way do you think mortgage rates could be headed?

Well, clearly higher rates are not as good for the housing market as lower rates.

And as you said, they've risen, they've gone up.

They're actually coming back down again from getting closer to seven again.

But what I think is interesting is when you look at the mortgage applications, for example, that came out today, if you compare this week to the same week a year ago purchase applications are higher this year than a year ago refinance applications are higher this year than a year ago cumulatively we're up 10 relative to a year so i feel like the market is becoming desensitized to mortgage rates honestly

What do you think the Fed should be doing, Mark? At the same time, if they lower things, maybe that could help the housing market, right?

Possibly, but the market is suggesting that if anything, there'll be no change or possibly an increase in rates by the end of this year.

So you could have this scenario where if the markets don't believe that it's economically a wise thing to cut rates, You know, the bond vigilantes come out and they push the long end of the yield curve up and you end up with a higher mortgage, even though the Fed has cut rates.

So are the home builder stocks finally a buy here? I mean, is it the home builders that may benefit here?

Well, they certainly have over the last couple of years.

They have a unique advantage relative to the existing market.

Obviously, a new home is essentially what we call a substitute good to the existing home, often a preferable substitute because it's new.

And builders have been able to buy down mortgage rates.

And so you can get a new home with a sub 6% mortgage relative to the existing market.

And builders, obviously, they're not rate locked in.

And just the final thought here is, is there any way to quantify it? Do you think that this will be the best spring selling season in years or, you know, is it best for single family homes? Is it best for multifamily? Is there anything that sort of is the best right now for this spring versus a few years over the, you know, which better than the last few years?