 My name's Chris Lawrence. We just bought a house in Clinton, New York. I'm here with my wife and my wonderful dog, Thumper. My wife and I have been Northern members for close to 40 years. The most important thing when you're looking for a home lender are people. It's local. There's people you can call. There's people you can email. There's people you can talk to. It's not dealing with an entity that's 3,000 miles away in a corporate office that doesn't know you at all. It was just a great experience.