 Then they ask you for documents. So you send them your pay stubs, W-2s, tax returns, bank statements, photo ID, all that regular stuff, right? Then they evaluate it and then they pre-approve you and then you go out to shop. But what's happening is it's the loan officer that's writing the pre-approval letter. Now that's the fox watching the chicken coop right there because the loan officers can't underwrite loans. They can't approve loans. None of them can. Doesn't matter what company you're going to, they can't approve loans.