 hey, if they have a mortgage company, the first check's going to be made to them in the mortgage company. And how do they get that? So they got to call their mortgage. So I personally for 15 years have gone through for step to step all the way through the process. And that's why I've got a lot of repeat business and a lot of referral business is because I do teach them the process and I will walk them through the process from start to finish.