have a lot of friends in common – we’re in the same circles…so i would love to welcome nick carpenter to the show…hello nick!
nick carpenter: hey man, thanks for having me, i’m excited to be here.
maybe take us back, like we usually do – we like to go back and see where you came from and how you ended up where you are now…so take us back – we wanna know what got nick into treating and serving loan officers. 