text:  Hey folks, welcome back to your Frederick Real Estate Update. I am Darren Ahern, bringing you over 21 years, almost now, experience in the Maryland and PA region. And I also have with me the man, the myth, the legend, the guy with all the money from Presidential Bank Mortgage, Mr. Terry Kernan. How we doing? Great, how are you? Alright, beautiful summer day here in June, a little hot and juicy still. We're getting there, the humidity's kicking in. And so, yeah, how are things going?