Our Journey in Mortgage` We made a commitment to better serve the mortgage market by leveraging digitization. Studies have shown that fintech mortgage lenders can reduce processing time and default rates compared to traditional lenders. We've partnered with Ellie Mae and Fannie Mae to provide seamless verification of borrowers' financial assets, and recently launched our Assets product, which delivers direct bank data feeds in a standardized format. This enables lenders to improve the application process and deliver a more consumer-centric loan servicing experience. Our success is measured by the success of our customers and partners, such as Blend's production with Day 1 Certainty for Assets using Plaid data.