You know how someone will mention the market, but what they say is different than what you've heard, the housing market is volatile and I want to act as an informational asset to those who are fortunate enough to watch my videos and see how ridiculous my wardrobe choices are going to be. First and foremost, I'd like to get it out of the way that we are not in a bubble situation. Like we were back in the early 2000s. We have plenty of data to support this, 75% of borrowers today have very high credit scores compared to the 20% during that period. And today homeowners have much more equity in their homes, simply just because of appreciation. These little bits of information are what I want to provide to my listeners and watchers so that everyone can be informed.