You. Hi. May speak to Kelly. This is Narissa calling on a recorded line from Penny Mac. I do want to go ahead and give you our phone number. It's 805 101766. How are you doing today? Okay. Well, I am reaching out to you today because it peers that you have available equity in your home that you can use to pay off high interest credit card debt or pay for home improvements. I'm going to connect you to a licensed officer who could discuss these options with you. Hello. Have you thought about buying a new home or pulling equity out? Okay, and did you speak to somebody here at PennyMac in regards to that? Okay. Yes, sir. And you said it did not work out, and that's what you're saying?