Refinance Loan Volume -- $549 million, growing 239% year over year and accounting for 33% of total volume. Home Equity Loan Volume -- $294 million, representing 23% growth year over year and 18% of the total volume mix. Despite the macro environment in Q2, Bettor's loan volume grew 38% year-over-year to $1.67 billion. In Q2, our Neo business grew 60% in loan volume year over year, and continues to recruit top loan officer teams across the country. By channel, in Q2, 55% of loan volume came from the Tinman AI platform, and 45% from direct to consumer.