Mitchell, the point about prepping the file for underwriting while the buyer is still shopping, instead of waiting for an accepted offer, is a real differentiator. Question on the PCS timing angle: for a service member relocating to Kings Bay who hasn't physically arrived yet, does the VA's primary residence occupancy requirement create any friction on closing before they report, or is there flexibility built in for military moves specifically? Trying to understand how that works when the buyer can't occupy right away.