We are always looking for feedback on our recruiting process so thank you for this review. Just to clarify, with the exception of 1-2 strategic partnerships that account for less than 15 loans / year, NONE of our leads are hand-fed. All 175+ Loan Advisors are obtaining their leads through the same online lead aggregators and have the same opportunity from a compensation perspective. Having an equal opportunity to engage with a borrower and sell a loan, regardless of if you're the newest Advisor on the floor or if you've been doing the job for 10 years, is one of the things that we are really proud of and certainly sets Royal United apart.