Hi, I'm Adam DeSanctis, this is the Mortgage Minute, the latest news from the Mortgage Bankers Association. Last week, Freddie Mac announced that it updated requirements for using attorney opinion, title letters or AOL is expanding the types of mortgages that are eligible for delivery with an attorney opinion of title letter. expansion includes most mortgages secured by our property located in all US jurisdictions, which removes one of the largest impediments to the broader adoption of AOLs on the Freddie Mac side. Other mortgages and expansion include those secured by a unit in a pre-condo project and those in areas with deed restrictions. These changes are a necessary precondition for the possible broader adoption of AOLs on Freddie Mac loans, but it does remain to be seen whether lenders will choose to use them or if consumers will be aware of the option and MBA continues to monitor developments in the title insurance space. That's it for this week. Thank you for listening!