J Darrin Gross
If you're willing, I'd like to ask you, Kamyar Rezaie what is the biggest risk?
Kamyar Rezaie
The biggest risk, which I see is because I faced in 2000, era eight era where the banks basically got hit hard, no one had money, first on the bank side or on the on consumer side. So the biggest risk in my industry is if the banks don't lend anymore, you know, then everything comes to a halt. And there will be no movement, you know, and you know, we always need money even at the higher rates, low rates, you always need money, you always have to have refinances, you always need purchases, to continue. The biggest risk is, you know, banks stop lending.