Hey, everybody. This is Carl White, broadcasting from the secret headquarters here at the Freedom Club.

Actually, I'm in the communications room this morning for the Freedom Club.

And you're listening to Loan Officer Freedom, number one podcast in the world today for loan officers, literally.

And all because you knew that someday I would

have Teresa Pope on here and she's going to talk about something that we call the no flow or

not we don't call it. Teresa, you came up with this, the no flow. Before we do that, just real quick,

give us kind of a lay of land.

Where are you located, banker, broker, loan officer, branch manager, and how long you've

knew this? Just kind of a 30 second who you are and what you got going.

I'm, Carl, yes. Again, I'm Presopope. I'm in the Los Angeles area And I have a small operation of three. So it's me.

And then I have a loan officer, associate or assistant, L-O-A. And then my husband recently joined the team.

And he's what we call our gold caller. We don't say cold calling.

Gold calling. Yeah, he's a gold caller. So he joined and he's going through our past database

and he calls real estate agents for us as well. So that's my operation here. Hey, you know what,

that, if I may just real quick, so working with hubby,

that's a, is that a new thing? It is. It's new. He was a, he was a school teacher for a long time.

And, you know, with the past a few years being very challenging for teachers. Yeah. We decided for

his mental health and well-being.

He would leave teaching and join my team. You know, it's kind of like somebody being in the

Army, you know, or the Marine Corps. Hey, you do your four years. You're good. Thanks for your service.

You know, you don't have to do it for, you don't have to do something for 30 years like that. So good for you. You know, we can do a whole other episode. That would be a great episode actually get a, get a, you know, three or four couples that work as husband, wife teams and talk about the dynamics of that. Oh, yeah. Great idea. So I'm going to put your name on a short list here to, oh yeah, There are some great, I met some great couples in Tahoe that talked about that at the Freedom Club meeting. Yeah. So, yeah, Marie and I. They offered their support. They said, Tressa, call me if you need help. I love it. So I work with my wife, Marie, you know, the lovely Mrs. White, and I love it.

I mean, I really, really do. But anyway, I'll digress. So that's another topic. So, all right. And then I rudely interrupted you. So that's okay. Yeah, I've been in the business about, let's see, 22 years now. Okay. Started in operations. So I am the cautionary tale that you need to take care of your

...