I want to encourage the group a bit with something that came from a men's gathering I was at for breakfast one day in the Flathead Valley. We were talking and contributing to each other what we were hoping and dreaming about for in 2026. One thing that was common that resonated with me was that sometimes on our journeys we make a leap of faith into something, whether as a family, business, friendship, or all three sometimes and we don't have the full vision, but we see the end game. This was me in 2021 when I was taking a leap into the mortgage space instead of my career in medical. It didn't make sense to a lot of people, but after years put into it I could see the "WHY" I felt the nudge to do so. Not because of monetary reasons, though, it has been a lot better being in a blue sky industry, but because I am starting to feel more fulfilled in life because of it with amazing connections it has allowed me to foster, especially like this group. Going back to the breakfast what stood out to me is that sometimes, we see the "WHY" of our process after going through a season. What I hope for a lot of us this year that with our dreams, ambitions, hopes for family, and fill in the blank, this year marks a time and season that we see the "WHY" we decided to do what we do. May this year start off as a great establishment and fulfillment to those things going forward. Would love to hear your thoughts and hopes for the year. Cheers to the year ahead! **The row boat is because sometimes it's nice to see where you've come from and remember, while still looking over the shoulder into the future to make sure you are on course**