Hey, gang, Carl White here. You are listening to Loan Officer Freedom, number one podcast in the world today for loan officers. And you're listening to The Right Episode. You know, I haven't decided exactly what we're going to call this yet.

It's like, I don't know, the three amigos or something like that. So I'm joined today by a very dear friend of mine, Mr. Steve Kyle's. Good see you, Steve. What's up, brother? And then our boss

is on the call with us today. Hi. Yes.

Kristen Simpson works over here at the Mortgage Marketing Animals.

And her job is to make me and Steve look smart.

And girlfriend, you got your work cut out for you.

That is a, that is a tough task that you have there.

I'm always trying.

Yes, you are. So Kristen,, you're, you're one of our

strategist over here at the Mortgage Marketing Animals and you're on the Breakfast Club. You're one of

the leaders here. You ask these freaking awesome questions. We call it Kristen's Corner. So if you've

never been a part of the Loan Officer Breakfast Club, every morning, Monday through Thursday, if you go to loan officer breakfast club.com, it's completely free. There's no charge for it whatsoever. It's the largest daily meeting for loan officers on the planet. A slow day will have 300. A busy day will have like upwards of 600. And Kristen just asked these

great questions that you see on the Facebook page. And great conversations come out of it. And you

called me up and said, fellas, I got a great conversation. And Kristen said, since I'm in charge

coming, that's what Kristen, Kristen's in charge. We're going to do a podcast episode on this topic. So Kristen, what is our topic? Well, here's what I've been saying. And first of all, thank you. I appreciate that introduction. But truthfully, the questions are great because it's what all the loan officers on the breakfast club are wanting to know. Right. So it's just me kind of mining that and saying, hey, what are we talking about?

What do we need?

And then bringing it to you guys, the titans of the industry here at the mortgage marketing

animals to help us all out.

So I've been talking to a lot of branch managers recently and seeing a trend where non-producing

branch managers or maybe branch managers that just weren't

producing, let me put it that way, are finding themselves back in the role of, hey, I'm starting

to produce again because my P&L or because I need to keep my numbers in my branch. So let's talk a

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