With a new year comes new resolutions and new regulations. We hope that regulators take a common sense approach to homeownership opportunities while ensuring consumer protection. Just as we’re ready for changing interest rates with a focus on purchase products, we’re ready for changing regulations. This year, we’re focusing on our compliance infrastructure to support the growing needs of our company. We are staffing up and we’re supporting our sales teams’ compliance needs. We continue to focus on effective risk management while supporting customers, our sales teams and our servicing division.