with rates ticking down, fh h tip about esterline -- mat: we might see more than we thought.ine: why are you so positive on god's heard quarter? -- why are you so positive on the third quarter? mat: rates are very low. the truth is people see homes differently than they saw pre-pandemic. since covid, we are seeing people realize buying a house with a couple extra bedrooms or a little bit of yard mattered. home mean something different. we have seen more purchase than the reports are showing. we work with mortgage brokers, so we have more of an in the weeds approach. purchases have been great. i see it continuing. rates are low. housing is going to be strong. it is not going to go down significantly. we see it being very strong. romaine: let's talk about your business. this has attracted a lot of folks to this industry. you are one of the dominant wholesalers out there in the mortgage market. quicken is the only one bigger. you've got a lot of competition from wells fargo and others. how is that affecting your pricing power and your margins? mat: we are the leader. we are the