 dot com slash Ramsey. Why refi is not licensed by the California Department of Financial Protection and Innovation. Why refi is not authorized by the New York State Department of Financial Services to service any New York loans. Funding may not be available in all states. The Ramsey Show, weekday afternoons, 3 to 6. Bill O'Reilly's No Spin News, weekday evenings, 8 to 9, W272, EKFM. Are you all right? What's wrong? I felt a great disturbance in the force.