the difference is uwm, you don't see us on commercials going direct to consumer, we've got our mortgaged, we're the lender, we're actually the one who lends the money. end of the day, people are hopping more now for a mortgage gang and consumers save about $9,000, so we moved our whole business toen only be wholesale, not retail, focus on lower prices for consumers, and it's turned out to be a really great thing for our business. liz: so how do you make money, and what was it that swung you to a profit at a time when, you know, you look at mortgage originations, and people are very tentative right now to launch into a near 7.5%30-year fixed. >> well, the reality is we know rates are higher than they were, you just quoted them, for the last month, last year. they've gone up a lot. however, we're hoping the this is the higher enand where you go now in the next 6, 12, 36 months, it will be lower. housing prices are not slowing down. there's an inventory issue out there, but with all that being said, we had a record purchase quarter because with more and more consumers are going to mortgage