Thanks, Frank, and good afternoon, everyone. During the 3rd quarter, Loan origination volume was $6,100,000,000 a decrease of 3% from the Q2 of 2023. This was within the guidance we issued last quarter of between $5,000,000,000 $7,000,000,000 3rd quarter volume Consisted of $4,300,000,000 in purchase loan originations and $1,800,000,000 in refinance loan originations, primarily cash out refinances. Our pull through weighted rate lock volume of $5,700,000,000 for the 3rd quarter contributed to the total revenue of $266,000,000 which represented a 2% decrease from the Q2. Rate lock volume came in at the lower end of the guidance We issued last quarter of $5,500,000,000 to $7,500,000,000 The decrease in revenue is primarily a result of lower loan origination income from a decrease in rate lock volume, offset somewhat by a higher gain on sale margins in servicing revenue.