Justin Ishbia

And on the unique dynamics, it's about a moat or things from the past.

This year we'll close 12 or 13 platforms.

So times seven.

You're talking about 90 unique board members.

And so we're talking about a third will be repeat customers for us, but I have 60 new people who will join our family next year.

I don't know who they're going to be yet.

They'll all be very talented business people.

We talked about someone before on this phone call.

That was someone who's very high end, very talented person.

There's a niche out there, people who are 55 to 75, who don't want to work full-time anymore, but do not want to do nothing.

They fail retirement.

Love the failed retirement, woman or man.

And so these board members bring that experience.

And so we oftentimes back first-time CEOs.

Over 80% of our CEOs are first-time CEOs.

I mentioned a minute ago, it takes 18 months to learn 90% of the industry.

And the last 10% takes five years.

But guess what?

My board has that last 10% from day one to complement that early career energy.

And so if you partner with a hungry, smart, first-time CEO, first-time CFO, give them a board.