text:  NMLS 182334. NMLSconsumeraccess.org. APR for rates in the 5 starts at 6.799% for well-qualified borrowers. Call 800-906-2440 for details about credit costs and terms. Laura Trump, welcome to the program. It's glad to have you. We're glad to have you here. Oh, well, good morning. Thank you. Great to be with you.