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WarrenIf you look back at the housing bubble in 2000, well, ending more or less in 2008, one of the great problems, in fact, maybe the greatest cause was the fact that the mortgage holder became totally divorced from the mortgage originator and from the home builder. In other words, the home builder built a house and sold it, took his profit, and that was that. And it didn't really make much difference who he sold it to. And the mortgage originator would originate a mortgage, but then package those, securitize them, and often sell them even around the world. So people thousands and thousands of miles had no connection with the original transaction. And the mortgage originator suffered no loss if the loan went bad. So he had these two parties, the one that connected with the home buyer, and the one that originated, and they had no connection with the actual outcome of whether it was a good mortgage or not. At Clayton, unlike virtually anybody, there's a few, we offer the, we offer mortgages to all the buyers of our homes. And we have retained roughly 12 billion of mortgages on 300,000 homes. Now, when a mortgage goes bad, two people lose. The person who owns the house loses and the person that owns the mortgage loses. And in our case, we have this identity of interest. We have no interest in selling anybody a house and having the mortgage default because it is a net loss to us. It's a net loss to the customer. Now, it's true that manufactured housing hits the lower end of the market in terms of house. values. Of the homes selling for $150,000, new homes selling for $150,000 or less, 70% of them are manufactured houses. And some of those people, most, many of those people, do not qualify on a FICO score to obtain loans that are government guaranteed. Some do, but most don't. And the question is, can you, can you lend intelligently, the people will have a good chance of making the payments, keeping that house. And Clayton has been exemplary in doing that. About 3% of the mortgage is default in the year. And when they do, we lose money and the person who bought the house loses money. But 97% don't, and most of those people would not be living in the kind of houses that you can see right here at the auditorium without the financing availability that Clayton makes available and others make available.