Our company is focused on the need to comply with all the new regulations and has its own compliance department that scrutinizes the loan origination and note servicing procedures. As many of you are aware, our world changed in 2010 with the implementation of the SAFE Act. And in 2012 with the passage of the Dobb-Frank Act and creation of Consumer Financial Protection Bureau (CFPB) and its regulations that include loan origination, note servicing and collection virtually changed the seller financed business model. Our company is all about compliance and makes every effort to protect its investor. You can be assured that your investments are as carefully protected as our own.