Tell us about that.

Yeah, that's right, Steven.

So the latest numbers that are being kicked around from, I guess, one of the more widely quoted sources, uh, say that it's dropped to, first-time homebuyers have dropped to 21% of the market.

But when we look at data from other sources, and sources that I believe are more accurate, it paints a different picture.

Even several months ago when we were hearing that 21% number, some of this other data was showing more like 40% or more of buyers are first-time homebuyers.

And those numbers are coming from very factual data, deed recordings and things like that.

So there's no, there's no ambiguity there.

But once they find a down payment assistance program, what do they do then? Will any lender allow it, or do they have to find certain lenders that will allow it? How does that all work?

Tell us about that.

Yeah, that's right, Stephen.

So the latest numbers that are being kicked around from, I guess, one of the more widely quoted sources say that it's dropped to first-time home buyers have dropped 21% of the market.

But when we look at data from other sources and sources that I believe are more accurate, it paints a different picture.

Even several months ago, when we were hearing that 21% number, some of this other data was showing more like 40% or more of buyers are first-time home buyers.

And those numbers are coming from very factual data, deed recordings and things like that.

So there's no, there's no ambiguity there.

But once they find a down payment assistance program, what do they do then? Will any lender allow it? Or do they have to find certain lenders that will allow it? How does that all work?