So, Kelly, this may be a first.

This may be a first.

You and I were chatting on Facebook, a messenger, right?

You just joined the loan officer breakfast club.

And we sent it, hey, great to have you

here, you know, kind of welcome to our merry band of Renegades. And you were kind enough. I said,

hey, you know, hey, Carl, you know, great to be here. And, and we started talking a little bit. And I said,

hey, hold the phone, stop. You want to do a podcast episode. And not knowing any better, you said yes, right? He said yes. That's correct.

So you're kind of, so you have no idea which directions this is going to go. And frankly,

we might publish this and we might not, right? We'll see how this goes. So first of all,

well, let me, I got to give a hook. See, when you do a podcast, you always want to give a hook.

So what we

were talking about was like what's the one thing that might be holding you back more than anything

else and you gave a great answer and so that's our hook so before we go there uh where are you located

at i am in houston te. Oh, awesome. Houston,

Texas. Do you know Steve Kyle's by chance? I do not. Boy, if I was in Houston, Texas, he'd be my

new best friend. Okay. Steve Kyle's. Great guy, really, really, really sharp guy. So,

so we, you, you found the loan officer breakfast

club here just recently. Yes. How did you find that? How'd you find us? Just online, the online

presence and, you know, going through my groups and things like that, just trying to network a little

bit. And I was like, oh, okay, let me, let me be joined this group. I want to be a part of this group.

And, you know, being in the

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