We're probably in chapter two, if anything, right now, right? But what's, what's the current state according to the, the folks at the, at the summit last week?

Yeah.

They, they're definitely a little shy on getting started.

Their thought is if, if we start originating loans with multiple credit models, what happens if the rules change before they sell the loan? There's what happens if the investor guidelines change and they're kind of stuck holding onto something that, um, was true a few days ago and then a week later, the circumstances or, um, the pricing around it does need to alter.

They're concerned with how the industry technology providers are responding to it, if they're flexible enough, had a follow-up call with a customer after HousingWire.

They just wanted to see how flexible we are for when changes keep coming.

They will keep coming, I think we all know that is, uh, the one certain is that we're, to your point, we're not done yet, and will we be able-- will everyone be able to react appropriately when there's another...

[sighs]

It's nice to put a face to the company.

It's great to hear.

Yeah.

And Dave's right.

You do need to give options to the borrower.

Otherwise, they'll go somewhere else to have those conversations.

And it's also important.

Yeah.