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I gained Karl White here for your quick hit in five or six minutes here Im gonna give you a strategy that if you implement it its my firm belief this can get you loans like right now so you know it never ceases to amaze me on how much money loan officers will spend not to have to pick up a phone right and never cease to amaze me when we all know how effective the phone is when we do it you know the problem is is like we dont know what to say and who to call and we dont want to do any cold calling do I dont want you to do any cold calling we have found a clever little thing that we do thats very effective now people ask me Karl Chicago consumer direct or referral partner marketing right my answer that is always yes do both of those if youre missing out on anyone youre really missing out so we do we do both of those this particular strategy is with referral partners let me show you why this is a big deal and Im gonna Im gonna give you an exact text to text out that weve seen t