 The opinions you hear are that of the host and callers and not that of WDBO. All right. Welcome back to the Loan Arranger Radio Show. Bruce Woodburn, Cross Country Mortgage, and yes, I am the Loan Arranger. Thanks for tuning in. I've been in the mortgage business now for 35 years. I've closed tens of thousands of transactions, and I'm going strong. Yep, this little old man here. I shouldn't say little old man. I'm not a little old man. I'm a big old man. But I have lost...