I'd like to thank today's sponsor, Richey May. Richey May is a recognized leader in providing specialized advisory, audit, tax, technology and other services in the mortgage industry and in banking. The firm has also consistently been recognized as one of the fastest growing firms in the country, and has been named to the HousingWire Tech 100 in Mortgage, Accounting Today Firms to Watch, and the Fastest Growing Firms. The firm has also received multiple awards for Excellence in Firm Culture from Inside Public Accounting. To experience how Richey May can help you transform your mortgage business, visit richeymay.com.