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Mike: Hi, everybody. Hey, Ryan, I just wanted to comment, before we get started that I'm really pleased with our email response rates and I'm disgusted with our phone response rates and we haven't got a fix for our phone response rates yet so I really encourage everybody to continue to email us with questions.
Ryan: Here's the thing. A lot of people call us and say well, I'm concerned I don't qualify for a loan mod. And I mean, we understand that but the bottom line is if you come to us we will qualify you for a loan mod. That's just the stance we take. Now, if you don't want to do a loan mod that's your business.
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