So a lot of stuff going on in there, Owen.

There is a lot of stuff happening in Washington, D.C.

Some inside the courtroom, some outside the courtroom,

but definitely going to have the power to

affect some parts of our industry over the next one, two, three, four, five years. Yeah, and we were

sitting here debating, like there's so many different topics that we could talk about. We were sitting here

before we hit the record button about, you know, what's our topic for the day.

And, you know, I think the CFPB, you know, there's not a lot been said about it recently,

frankly, because it's such an unknown.

You know, it's really taken a back seat, but some things are going on that are definitely worth talking about.

Carl, you know, if you recall a couple of months ago, you know, we had Bill Pulte nominated to be the

FHFA director.

We had Jonathan McKernan nominated to be the CFPB director. and we had a lot of CFPB news in a relatively short period of time there, the first two weeks of February, culminating with the very famous Elon Musk, RIP, CFPB X post that I'm sure most of the people in the mortgage industry have seen by now.

And then it kind of went dark.

You know, Jonathan McCurman had his Senate confirmation hearing in front of the Senate Banking Committee.

He faced very friendly questions from the Republicans, very, you know,

pointed and critical questions from the Democrats. No real surprise there. Typical Washington,

D.C. politics, a little bit more vitriol than you would expect, a little bit less decorum

than you would normally see, but not uncommon for Washington, D.C.

today. And then Bill Pulte was rushed in and got a lot of news when he first got in and laying

people off and calling them back to the office and getting out of DE and I programs and ending, you know, Fannie Mae and

Freddie Mac's independent looks at fair lending and they were almost becoming a regulator in that

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