Today we will be discussing a few market updates we learned from attending the TMBA Conference in Austin a few weeks ago. I also had the opportunity to hear Peyton Manning speak, and it was a treat for us all. I will share a few of his quotes that I took inspirational. Most importantly, we were incredibly pleased to learn the statistics, information, and opinions we have been discussing throughout season 1 & 2, which have been spot on with the leaders in the industry. Listen to what we learned from attending the Texas Mortgage Bankers Association Conference.