“ Hi Thomas/Mark, it was a pleasure meeting with you both today. I appreciate the time you took out of your day to give us some of your input on the economy, industry and regulatory issues. I was impressed how knowledgeable you both were in regards to the mortgage industry as well as banking in general. You brought up some great ideas to share with the Department of Banking and Securities. I believe you both truly care about the customer in providing the best possible product. This is why you run a successful business. ”