 brings me in the context of telling you about Andrew and Todd to reverse mortgages. When I check in with Andrew Del Rey and Todd Avakian, and they're lenders with Sierra Pacific Mortgage, they lend people money who want to buy a house. They lend it to veterans who are buying a house, don't have to put any money down. They lend it to first-time homebuyers who are FHA qualified. They do HELOCs, Home Equity Line of Credit, for people who are oppressed.