PresentationSean O'NeilExecutive VP & CFO My name is Sean O'Neill, I'm the CFO at Onity. And spend a few minutes telling you a little bit about our company and then see if you have any questions. You can read that at your leisure. Okay. So this is the place mat of kind of who we are, what businesses we're in. We are a nonbank mortgage servicer and originator. So a servicer means we take care of MSRs for ourselves. Those are the ones we own, we take care of them for other people, that's subservicing. Differ ...