Pavan Agarwal

And most of that, the real engineering behind Angel AI is built by the talent that we hired in Puerto Rico. And so it's been a long process. I mean, decades of data science, of building the knowledge base to drive the AI, followed by the engineering to get it to run. And then we did our first transaction through it in 2018. So, you know, nothing... Nothing worthwhile is built overnight.

And most of that, the real engineering behind Angel AI is built by the talent that we hired in Puerto Rico. And so it's been a long process. I mean, decades of data science, of building the knowledge base to drive the AI, followed by the engineering to get it to run. And then we did our first transaction through it in 2018. So, you know, nothing... Nothing worthwhile is built overnight.

And it takes a lot of patience. And you got to fight through everyone who's telling you you're crazy. Everyone's telling you you can't do it. And personally, in my life, it's kind of like... You know, it's the experience I had was like, you know, I'm always like thinking big. I'm always thinking, you know, I remember my dad used to call me a dreamer when I was a kid.

And it takes a lot of patience. And you got to fight through everyone who's telling you you're crazy. Everyone's telling you you can't do it. And personally, in my life, it's kind of like... You know, it's the experience I had was like, you know, I'm always like thinking big. I'm always thinking, you know, I remember my dad used to call me a dreamer when I was a kid.

And I always just think like, you know, we can do really big things. And the challenge is most people don't think big and they're going to turn around and they're going to tell you that you're crazy or you're foolish. And, you know, why do you think you can do it and so forth? And the ultimate reality is that as long as you don't fall into that trap, you can do it. Everyone can do it.

And I always just think like, you know, we can do really big things. And the challenge is most people don't think big and they're going to turn around and they're going to tell you that you're crazy or you're foolish. And, you know, why do you think you can do it and so forth? And the ultimate reality is that as long as you don't fall into that trap, you can do it. Everyone can do it.

And most people fall into the trap of the naysayers. And that's, I think it's a shame. And I think the current pop culture education system

And most people fall into the trap of the naysayers. And that's, I think it's a shame. And I think the current pop culture education system

doubles down on it and and most kids are discouraged you know it's like uh it's like guardians of the galaxy now guardians of the galaxy the other one uh vendors no no hitchhikers hitchhikers that's the one i was thinking about where where if you have an original thought it's it slaps you right and and that's the system kids are slapped for having original thoughts kids are slapped for thinking they can do anything um and if we just think out of the box and say no you

doubles down on it and and most kids are discouraged you know it's like uh it's like guardians of the galaxy now guardians of the galaxy the other one uh vendors no no hitchhikers hitchhikers that's the one i was thinking about where where if you have an original thought it's it slaps you right and and that's the system kids are slapped for having original thoughts kids are slapped for thinking they can do anything um and if we just think out of the box and say no you

You can do anything. And just pursue it. Most of the time you'll actually succeed if you actually just stick with it.

You can do anything. And just pursue it. Most of the time you'll actually succeed if you actually just stick with it.

It's hard work. The thing is, for a couple of years,

It's hard work. The thing is, for a couple of years,

um you know especially i mean most of 2020 right since uh 2010 to 2020 was a good time for loan officers because interest rates were low the real estate market was booming and then and then in the covet period it was amazing i mean the i think we did five trillion dollars in one year of business so literally if you had a license you were made you know hundreds of thousand dollars i mean didn't had no without any effort

um you know especially i mean most of 2020 right since uh 2010 to 2020 was a good time for loan officers because interest rates were low the real estate market was booming and then and then in the covet period it was amazing i mean the i think we did five trillion dollars in one year of business so literally if you had a license you were made you know hundreds of thousand dollars i mean didn't had no without any effort

You didn't have to know anything. You just, because there was just- Just picking up the phone when everyone was calling you. Right, right. And so that spoiled the industry. People thought, you know- It's easy.

You didn't have to know anything. You just, because there was just- Just picking up the phone when everyone was calling you. Right, right. And so that spoiled the industry. People thought, you know- It's easy.

Yeah, exactly. Well, people were making a million dollars a year without very little training and experience and ability. They were just making a lot of money. And then, of course, everything suddenly, as quickly as it turned on, it turned off just as fast. And now we're back to a real-world mortgage industry, which is a lot of hard work.

Yeah, exactly. Well, people were making a million dollars a year without very little training and experience and ability. They were just making a lot of money. And then, of course, everything suddenly, as quickly as it turned on, it turned off just as fast. And now we're back to a real-world mortgage industry, which is a lot of hard work.