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We are elated to hear you love where you work and what you do, and that you are experiencing all the opportunities at your feet here at NFM Lending. One of the pro’s you mentioned is our culture, which is built on the foundation of our core values (Service, Commitment, Opportunity, Respect, Excellence). At NFM Lending, we develop each employee with hands-on training, so they are prepared for the next best opportunity. We are pleased to hear that our culture is being positively shared and that your teammates are embracing you. As for our leadership, we strategically invest in the development of all these positions to ensure that tasks are managed sensibly and thoroughly. New technology will always be an area for growth since there are so many developing software programs for processing loans. With that said, we have recently hired a Chief Information Officer and we are confident that better, innovative IT practices will be rolled out to take NFM to the next level. We truly appreciate your suggestion and thank you for your feedback.