 And the selling agent is going to be required to set the loan up correctly from the beginning. And the other thing, your pre-approvals now are going to become critical because the selling agent is not going to allow anybody to walk into a house. And the buyer's agent is not going to spend the time unless they know it's a real pre-approval. Correct. Not just that we've got your information, but we haven't run it to the lender. Yep. They're going to get much tighter on that. Yep.