HousingWire: Michael, you have this large balancing act. You have investors who play a large portion in your operations, and you are also supposed to support national housing policy. There must be conflicts, especially when it comes to decreasing delinquencies and increasing cure rates. What is your strategy? Michael Williams: Great question. We want to try to avoid foreclosure because ultimately that’s in the best interest of the family, the homeowner, the community, and the taxpayer, who is our bottom line. With that in mind, we’ve done a significant number of things both in partnership with the government as well as on our own.