let's bring in jay farner, ceo of rocket companies. hank you >> who might you be displacing >> well, we talked to our client base we talk to millions of people a month about their finances one of the things we notice is after they refinance or make a mortgage inquiry, they soon buy a car. in fact they're three times more likely to buy a vehicle after they have inquired about a mortgage with the relationship that we have, with the brand that we have, with the experience that we create in something as complicated as buying a property and mortgaging it, we decided that getting into auto was the right move in fact just last quarter we grew 143% from q2 of 2020. so we're seeing great, great growth from rocket auto, and now we've launched our rocketauto.com website so we can bring that inventory that we've developed to all of our clients. >> are there discounts for consumers in terms of better rates, et cetera, if they have several mortgage products with you, loan products >> great question. think of rocket auto as a marketplace. what we have