How would you personally define lazy thinking and what does it mean to you? Lazy thinking to me is taking the easy way out, finding the easy option. In the mortgage business, in my opinion, it's lazy. You need to be detailed, precise, organized. You have to be able to think quickly on your feet. You have to be able to adapt, make changes. And lazy thinking to me is just doing just enough to try and get a file closed. And then that's just, to me, is lazy.