So Why don't we kick it off with what did you see at the Armour Conference that brokers need to be aware of? Sure.

So one of the topics of conversation were the changes that are happening within the NMLS system.

So the first changes that people may notice actually started on August 15th.

They rolled out some new platforms.

So if you haven't logged in since the last time you renewed, you may want to do that.

Check it out.

But also there are brand new disclosure questions that have to be answered by every single licensee.

What are some other things that brokers should be aware of that's happening right now?