 Hey everybody, Charlie Kirk here. You've heard me talk about why refi for some time now. Yes, many of my colleagues do as well. What makes why refi so different from other investments? Well, let's quickly break it down. Why refi offers a secure collateralized portfolio with a strong fixed rate of return up to 10.25%. There's no attack on your principal if you ever need your money back and you're in control. You can let your investment compound daily or take income, whatever you choose.