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welcome this is our mortgage get together to talk about amazing things that are happening in the mortgage industry so they have brought together two other expert loan officers within my company Aaron Brenner and Julie Moffett welcome Chad good to be on with you as always and uh Julie I think our first call together on uh on the stream it is thank you for inviting me gentlemen yeah weve been meaning to get Julie on here too so this will be fun I know I know great minds well we we are going to talk about trigger leads and what are trigger leads some of uh the things that we deal with in mortgage industry and how we talk to our clients about um about this a very unique effect of pulling credits so uh well lets dive into kind of what a trigger lead is um Aaron I know that you have a great um story and background on trigger leads and uh I think you just joined um you know the opt out um group as well so what was kind of the background as far as what a trigger lead is and why people get ca