Frank Martell : Yes, I think — Doug, this is Frank. I think the MBA forecast was for roughly 2 trillion for this year. That’s against a 2023 number at a 1.6 trillion. So they’re up that’s on a dollar basis. If you look at the units obviously, you have to be a little bit. But I think that a little bit slower in the first part of the year, because they were assuming a more aggressive rate profile and I think is actually going to play out. But assuming that we get some moderation rate the second half. It’s going to come pretty close we think. It may be a little bit more back-end loaded, but most of that pressure will be in the first quarter. And from what we’re seeing now in our volumes, we’re trending pretty closely to what we had forecast. So far so good on that perspective. But we’re still thinking the MBA number for the full year is a pretty good one. And it may be a little bit timing wise, a little bit more skewed to the second half than the first half.
Doug Harter : Great. Appreciate that. And if I could sneak in one more. Just you’re about a year and a half away from the first or a little more than a year and a half away from the first unsecured debt issuance, debt maturity. Kind of how are you thinking about your unsecured debt?
Dave Hayes: Yes. We’re actively monitoring that. We’re very closely focused on the debt markets that are quite constructive. Our goal is to get that sort of resolved probably in the second or third quarter of this year. So we’ll be focused on it during those periods. We’ll hit the market when it’s appropriate.
Doug Harter : Great. Thank you.
Operator: And we have no further questions in our queue at this time. I will now turn the call back over to Frank Martell for closing remarks.
Frank Martell : Okay. Thanks, Krista. Hello, thank you all for joining us today. And we appreciate the questions as well. On behalf of David, Gerhard, Jeff and myself and the rest of team loanDepot, we really thank everybody, including our key stakeholders for their support. We look forward to improving market conditions this year, which are being forecast, as I just discussed, by the Mortgage Bankers Association and others come. And certainly, we’re looking forward to a constructive second half from a mortgage volume perspective, as we push toward profitability. And look we’ll continue to keep everybody praised as we progress. And we’re laser focused on delivering against Vision 2025, which we think is the foundation for the future of the company as the market rebounds. So, with that, thanks again for joining us today.
Operator: This concludes today’s conference call. Thank you for your participation and you may now disconnect.
