We view it as a marketing expense. You have the flexibility to opt for direct payment, pass it on to the borrower, or even donate it to charity. Whatever your preference, it's acceptable to us, as we see it as a necessary aspect of conducting business. Remarkably, this approach keeps us so occupied that we rarely need to advertise. Our program extends to lenders, loan officers, mortgage brokers, realtors, CPAs, attorneys, and anyone interested in generating additional income while assisting others in securing financing they might otherwise struggle to obtain. We greatly appreciate our relationships with bank loan officers, realtors, residential mortgage brokers, and all our partners, as they are responsible for the majority of our referrals. As a token of our appreciation, we offer a referral fee of 30% of our gross fees for the first three referred deals resulting in closings. Subsequently, once you've referred three loans within a calendar year that successfully closed, we continue compensating you at a rate of 25% of our gross fees for any subsequent deals throughout the year.