Hello, I'd like to apologize for missing the last question on how to deal with challenging customers. I had some audio technical problems, but always listen honestly, be sympathetic, allow them to talk and vent, understand where they're coming from in their situation. Sometimes you have to escalate to a higher management level and make sure we get down all the facts and reassure the customer that all is being done to handle and rectify or mediate the situation. Okay, on to this question three, why are you looking for a new job? Well, I got my insurance license, started studying six months ago, I've been in mortgage lending for over 25 years and I'm kind of tired of it and don't wish to do home loans any longer. And I got my insurance license because I want to go ahead and pursue that career. I'm great in sales, handling and managing people, customers, clients, CRMs, following up database, reaching out, building those relationships and doing 120%. So I'm looking for a new career. Life's about changes. This is a great one. It's also parallel with what I've been doing in the mortgage business for 25 years. And I think I'd be excellent for the position and I'm happy to be part of your organization. Thank you.