Adjusted net income was $13,000,000 or $0.20 per diluted share and adjusted EBITDA was $13,200,000 For the full year 2023, we generated $15,000,000,000 of total in house loan originations compared to $19,100,000,000 in 2022. Net revenue totaled $700,000,000 compared to $1,200,000,000 in the prior year, which generated a net loss of $39,000,000 compared to a net income of $329,000,000 in the prior year. Adjusted net income was $48,000,000 and adjusted EBITDA was $75,000,000 for the full year 2023. Focusing on our origination segment, our gain on sale margins came in at 3 30 basis points compared to 3.77 basis points in the 3rd quarter on funded origination. Gain on sale margins on pull through adjusted box volume was 347 basis points compared to 389 basis points in the prior quarter and total pull through adjusted VOC volume was $3,300,000,000 compared to $4,100,000,000 in the prior quarter.