This brings me to Slide 14, which illustrates PennyMac's ambitious groundbreaking vision for artificial intelligence. We have already achieved significant milestones from advanced coating productivity tools to sophisticated workplace tools and intelligent chatbots that are reshaping daily operations but our road map is truly visionary. It includes sophisticated agent automation of complex loan processing activities, robust and intuitive self-service capabilities that empowers our customers and advanced lead generation processes that will redefine our outreach.