I mean you have been doing this a while I am assuming so why haven't you become a licensed lender? Why haven't you opened a shop? Why are you happily employed and not happily running a company? It's amazing how developed our company is when the owners have only been in the industry since it first began. And being a direct lender! I mean it's crazy! I wonder why more people aren't generating millions of dollars and spending excessive amount of time and money to get the licensing to do that! Wow so easy I can't believe it!