licensed at this point? No,

there's no licensing.

This was long before NMLS numbers.

There was not any licensing, which was the problem from the beginning is guys that had a problem or a complaint against them just moved to San Diego.

They just moved to Florida.

They just moved to a different region.

So now with the national mortgage licensing system, it goes with you so that if you had a problem or a fraud or some other problem, the industry is not going to get hired.

I