 I will tell you that if you want a soft pull because you don't want your credit pull hard, your credit has to be pulled hard before you can go to underwriting. Now, I will have a client right now and I got a soft pull on them. I'm doing a bank statement loan on a cash out refi second home. It's a million dollar plus property over in New Smyrna. I did a soft pull. I had to do the hard pull because I'm ready to go into underwriting and their score dropped by 20 points and changed the whole program.