Looking forward by Roberta Standen from the perspective of a private mortgage loan servicing company As we enter 2021, we do so with a sense of hope and optimism. We have faced many challenges over the past year, and we are grateful for the support of our customers and partners. We are looking forward to a year of continued growth and expansion. We are excited to announce that we will be expanding our operations into new markets in the coming year. This expansion will allow us to serve more customers and provide them with the best possible experience. We are also excited to unveil new products and services that will improve the lives of our customers. We are committed to providing our customers with the best possible experience. We will continue to invest in our people, our technology, and our infrastructure to ensure that we are able to meet the needs of our customers. We are looking forward to a great year ahead. Thank you for your continued support.