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Then that's when I started learning about regionals.

Just because something works good at this Wells Fargo in Atlanta does not mean that it works this Wells Fargo in Phoenix.

Just because it works at this Wells Fargo over here, it doesn't mean that over there.

Because I found out that in different places, they will pull different credit reports.

On the West Coast, it's still a Wells Fargo, but they might pull your experience.

But this is still a Wells Fargo, and it's for the same type of loan, but they may pull your Equifax.

And then that's when you really start to narrow it down, just like you're saying, saying, hey, no, I've got to make sure if I'm using Wells Fargo, I've got to find out where is that located, and I've got to find any profile that's located over here or putting the address on that profile to make it work over here.

So putting the address on that credit profile is the most significant thing because now it drives all the traffic over there.

And that's why they want so much information.

Back then, let's say, hey, you want to put this address in it?

It's the wild, wild west.

That was when you can actually go to the post office box and reroute mail.

When you can actually send it to an actual real address if it's in that city, and you can go to the post office and reroute that mail.

You know what I'm talking about now?

Yeah, yeah.

I don't know.

I don't know.

But I don't know what the criteria is of how they're doing it.

You know what I mean?

Because now it's a lot of...