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I said, so the underwriter is at a conference?

She said, yeah, they go to a national underwriters conference every year.

I said, so what does an underwriter do?

She said, an underwriter person is a person that actually sees, oversees your account to see if you're going to get approved or not.

But I thought my entire life, I was under the assumption that the banker was the person that made the decision.

I don't know this.

I'm thinking it's the banker.

Because I remember as a childhood that we used to always get dressed up and go see when my parents wouldn't go to see the banker.

I had to put on some clean clothes and come inside and wash my face and put on a shirt and tie.

It was a big thing to go to the bank.

And now I'm finding out that the person that's the banker is not the person that makes the decision.

It's not making sense to me.

Then they're telling me, saying, no, we sent your stuff over to a loan officer.

I'm asking, what is a loan?

I mean, this is the person that's assigned to the loan to gather the documents to making sure that they give them to the actual underwriter.

I'm saying, hmm.

Exactly.

But when I'm doing this and I'm hearing all of this stuff, it keeps triggering me.

That's why I said I got to go back to the why kid.

You can't just tell me anything.