So Dave, what are we going to talk about today, man?

I got a little printout here, but you want to tell about what we're doing?

Or you'll just read what you and I talked about?

No, I'll showcase it.

I mean, I think in today's market, I have yet to find a loan officer that doesn't wish they had more hours in the day, regardless of how much business they're doing.

I think time is of the essence.

And I think, you know, while rates will go up and down, I mean, that's the thing we know for sure in 2021, but we're going to continue to have time be precious.

Carl, I think the reason we're

great partners is you are, you're the man that makes it rain. You're the man that puts in processes.

And my thing is always lead conversion. And I thought, you know, we focus on speed and lead conversion

a little bit. I don't know. Anything you want to add to that as we're in the conversation?

I couldn't agree more. So again, I just want to reiterate exactly what you just

said is, you know, Dave and I've been working together for a long time. And I've been following

Dave for many, many years and have actually bought his program, the mortgage coach.

And again, I'm just repeating exactly what you said, Dave.

I've always thought, you know, we were pretty over on our side of the, on our side of the room over here at the Mortgage Marketing Animals Freedom Club.

We're really good at driving traffic, getting referrals to come in, working our database,

getting more loans from the loans that we're already working,

getting our pre-approved and lookings, getting them on board to having a conversation with us.

But what I've always known that the secret weapon that you bring to the table,

along other things too, though, is that once I'm talking to those people,

how do we get them to convert rapidly into closed loans?

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