Thankfully, I have not had a time where an upper-level policy change or decision has held me up too bad. The only instance is when some customers have not met underwriting guidelines. And so the only way that I was able to respond, just being completely transparent with the customer and trying to do my best to provide some options for them and just being able to help them navigate to where they need to go or navigate them to any other products that we may have to help them or any options that they might have.