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good day this is joe tompkins for lendesk venmo and our smart document feature as part of your mortgage application document collection is one of the biggest sticking points that you have we get this so with our smart document feature inside finmo youre able to have the smart condition set so you know what is getting asked for depending on how the client answers each question so when the client has received their invite to start a mortgage application they can go ahead and create their account they would go in put in their password perhaps you did some of the application on the phone perhaps you had some data from an old application and you wanted to refresh it but now the consumer can see that they have six steps to take already pre-filled they can go through they can review they need three years of living history so he can go in and fix that they can add a borrower finish the employment is there finish adding income they can go ahead and add an asset lets say theyre using their s