 Yeah, Robert, I think it's a great question. Look, there is no industry that got pushed further outside of its comfort zone during COVID than real estate. I mean, we had to catch up with the times and catch up with technology in a very fast way. In fact, states had to come out and change laws because you couldn't go in, and to your point, with a stroke of your finger on your mobile phone, sign documents in order to close on a home. I remember when I refied in the state of New Jersey,