Thank you.
On another topic, when we look at social networks like TikTok, we see that there are a lot of people, a lot of young people who get information about personal finance, how to get rich and how to invest in people, some of whom are a good prospect, and some of whom are not. In addition, we've seen a real estate fetish develop. As a result, real estate is being presented as a way to get rich very quickly. Presumably, that's speculation. People have benefited from price increases in recent years.
What are your thoughts on that? What do you think about the quality of the information that young first, second or third-time buyers are exposed to?
Do you think that's a good strategy? In your practice, have you seen people become financially compromised by using these serial buy and refinance techniques?