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I think the best feature of lending QB for me is on the whole nother side sending your documents out to your borrowers the ease is great I literally sent some documents that have back an hour and was preparing the documents for my processor paperless part of it has made especially for modelos their job 10 times easier having the ability to upload everything into a system in the processor automatically get it my first experience with lender QE was a refinance but I had put it in we have five different banks that we work with priced it out found the rate put everything in you know take my application pulled credit ran do disclosures digitally signed and returned to me 30 minutes I would say the best feature with London cabbie is the fact that I can go anywhere I can meet a real estate agent for coffee or whatever and or client and starbucks or wherever we happen to be and I can literally pull up all of their loan documents write them in there going on vacation vacation okay you know you can still work you dogs it's nice time number one for compliance to keep everybody in check so that banking is not coming down on us or audits are very clean making sure that we're you know giving out the right information in our internet age where everything is moving very quickly and people work to run this amounts hours I know I might have a doctor that's in Oklahoma his wife for whatever reason might be on vacation in Florida or Hawaii and it's nice that even if they're not together we can get packages side the exponential process of getting a package out now is a tenth of what it used to be you know and we used to actually overnight packages or we could email them bhaag the borrower's down with a 55 page document that they have to print sign scan fax back to us and that was the most exponential way to get the package back or so now everything is done immediately so it allows me to give live price to somebody and a live commitment to that price and actually abide by that so what lender QB provides me is the ability to literally hang up the phone with the client put a package together in 15 minutes get it to them get it signed back and lock the interest rate on the package so as far as the timeline goes it's really tripled our production and in refinances and it's cut out a lot of the respa redisclosure loss that we have to abide by