It's, it's always been a, a, you know, a respectable pub.

Yeah.

Where, where I'm going with this is it's, it's almost like if this was a recurring, let's call it a rec- a recurring imprint, I don't like the word, but let, let's call it a recurring imprint, that, that, that if people who were fearful of something appearing, i.e. a money lender, a thug-

But that's, but that is on, they are connected to the pub on the opposite side of the building, so, you know, 30 meters away.

So Steven Scott, you, you're a medium- Yes ... right? You speak to the dead.

Mm-hmm.

Right? Or the dead speak to you.

Mm-hmm.

And do you think that's why mediums are popular too, or are they beyond that, Stephen?

I would like to say that some of them are beyond that.

There are a lot of mediums out there, I'm not going to lie, who are sensationalising on that whole kind of death gimmick and that whole kind of, you know, what's the best way to express it? That...

You know, that kind of fascination with the macabre and to kind of touch on, I'm going to use the term occult, even though it's not occult, to touch on that kind of occult element that's always there in the human psyche.

For some people that want to just, you know, kind of dance with the devil slightly and that kind of element of humanity that there are some mediums out there that will play to that and fulfil that.

It's...

Go ahead.

In comparison to what you said earlier, Rowan, is that if I were looking at a house and I found out something gruesome had happened there, the rational part of my head kicks in and thinks, do you know what? Ultimately, it was a human interaction that caused a tragedy.

And that's one of the things the technology committee does, right? As far as looking at different opportunities, technology for originators.

We do.

We're constantly evaluating and looking at different platforms and how they interact.

And then we try very hard to get the maximum discounts we can for our members.

One of the things I really love about the broker channel is a lot of times you go work for a bank or a major mortgage lender and your tech stack is predefined for you.

This is what you're gonna use.

And I think when you look at it from an individual standpoint, you try to find something that works for your business, that you can use different technology levels There are some loan officers that are very tech savvy, like Matt and Mike, for example, really understand those.

How are you delivering the message? Is it by meta leads? Is it by mobile app shares and organic growth with the mobile app with realtors or business partners? So that's the thing is that what's nice about NAMM is that our members can engage with our technology committee call steve go on the forum ask hey does anybody have a scenario like this or or a or a package that would work in this scenario and and just get engaged get involved that's that's what's so wonderful about you know you talk about that first time buyer at 40 but that generational gap from the 20s 30s 40s up to the 60s you know you have the audience and the knowledge there that have been there you know been involved but at the same point very open-minded to learn the new ways

dispute review board's clarity, could you express which section you're looking at and which page and paragraph might be helpful?

Sure.

This is the Worthington Homeowners Association, Inc.

Declaration of Covenants.

Conditions and restrictions recorded in Libers 3606, Folio 301, and dated.

Dated.

I'm sorry, board.

Okay, and I don't wanna keep you too much longer, but based on the testimony you've heard this evening, applying those facts to your interpretation of the Worthington Declaration, is it your understanding and opinion that the Board of Directors for Worthington, in adopting a 2026 assessment of $715 without a vote of the membership, did so as authorized by this section because that amount, $715, is less than a 10% increase over those 2021, 22, and 23 assessments at $682?

Do you have anything like this, so these sort of kitchen appliances that are smart?

Do you, I don't, and I'll tell you why, because when we moved into this house, and it was over 10 years ago, a lot of the appliances, if you like, were already installed, and we were quite happy with them.

And also, you know, if you don't need to replace them, why? And, and honestly, they were the kind of devices that you could put a bump on on a button, and you could quite easily set it up.

And, and, you know, with a washing machine, for example, it's the same setting I'm using every time.

I have a bump on that is set so I can just turn the dial.

I can press the start button and walk away.

The dishwasher is exactly the same.

And suddenly, I don't know if it was the A-Lady or Cosori updating, but now you have to find and press a start button in order to get that going.