 When completing a loan estimate, where should a licensed mortgage loan originator include an estimate of hazard premiums? That's going to be prepaid. Boom! Let's get it. Yes, sir. Trid requires that charges paid by the consumer to the creditor such application and processing fees are to be recorded with what section of the closing disclosure? Closing costs? Closing costs. Origination charges. Origination charges. No problem, man. Not a problem. What can I do for you? Okay. So I'm looking for a realtor. You don't want? Yeah, I think so. Which unit you got? It's a 32. Yeah, I'm real familiar. Just get up together? Yeah, sure. Yeah. You know, I can meet you, you know, 930-ish or something like that. Oh, that 30, that would work out super. Morning, and we'll just visit for a second and go from there. Okay, Rick, I appreciate that. Yeah. See you, bud. I wanted to sign up yesterday. Wow, so your team got in a tiff with each other and then they decided to leave? Literally. Okay. These are the best of them. See ya. Love you more. Yeah, two and a half. Within a few days of receiving an initial loan estimate, Rick needs to add his wife to the loan application so he can use her income to qualify for the loan, which of the following is true statement as it relates to lending, providing, and revised LE. Boom, bam. So as you can see, I'm here studying for my mortgage test, and let me tell you, this one is a doozy. I can tell you that I passed my real estate pre-license course and test the first time to get my salesperson license as a real estate agent. I passed my broker's test two years later the first time. Then when I went to get my Florida real estate license, I had to take the 40-question law test in Florida, and I passed that the first time. And honestly, the very first real estate test I took, I studied really hard for it. I'm guessing it was 20 years ago, but I'm guessing that it's real similar to what I'm dealing with here. So I can't say that this is harder than what it was when I took my first real estate test, but I can tell you that I'm 20 years older and that it seems incredibly harder. Now, if you talk to people, they'll tell you that the mortgage test is way harder than the real estate exam. But I'm working hard, and you guys know I'm a dedicated person, and I'm going to do everything I can to pass this test the first time. I do not want to take this a second time or even a third time. I want to pass this the very first time. So I just wanted to check in with you, let you know how I'm doing here, wish me luck. I have been paying attention to the earnings reports coming out. We had Compass yesterday, we had Airbnb, and we've got RealG, I think, is reporting today at some point. So there's a lot of cool stuff in the news. I've been reading a lot of articles and stuff in between studies here. You know, guys, listen, I'm just kind of a nerd when it comes to this. I really enjoy seeing these earnings reports coming out. I really enjoy watching these companies as they grow and learning all the ebbs and flows of this business and this industry. Super interesting to me. As we move forward and I continue to make these videos on my own, I'm going to bring you more breaking news type videos with company information and different stuff like that. So I'm excited to do that as well as continue to do blog style videos like I've been doing here a lot lately. So anyway, you guys keep crushing it. Let me know what I can do to help you and we'll see you guys soon.