Unlock Your Dream Home: Essential Tips for First-Time Buyers

Brett McCollum (00:00.889)
All right, guys, welcome back to the show. I am your host, Brett McCollum, and I am here today with Clarisa Moody. Today we’re going to be talking about first time home buyers. Before we do, guys, at Investor Fuel, we help real estate investors, service providers, and real estate entrepreneurs to 2 to 5x their businesses to allow them to build the businesses they’ve always wanted and live the lives they’ve always dreamed of. Without further ado, Clarisa, how are you?

Clarisa Moody (00:24.93)
Hey Brett, thank you for the invitation.

Brett McCollum (00:27.097)
Oh, so excited to be here with you. I was really, really fun catching up with you, getting to know you before the show. I’m excited to kind of talk about what we’re going to get into today. But before we do that, let’s do me a favor. Can you back up, rewind, tell us a little bit about who Clarisa is and catch us up to speed?

Clarisa Moody (00:44.206)
My name is Clarisa Nui. I was born in the mountains of Peru a little over 40 years ago now and I My journey started in real estate. My mom was a real estate agent in Peru. So I have a 30 year background I was always answering the phone at 10 years old and giving people You know information about properties that my mom has for sale and I studied international business in Peru because I was

passionate about languages as well. speak English, Spanish and French. After I started my career, I went into the banking industry. I worked for a couple of years and then I decided to pursue my master in France where I spent two years. My master was completed in management and with a focus on marketing. Then I came back to Peru. I worked for a little bit longer in the banking industry and then I jumped into the

Export industry. I supported ADEX. It’s the Association of Exporters in Peru. We did a huge event called Expo Limentaria, which was one of the most important trade shows in Latin America. And I started to work for a remote company, Euro Monitor International from the US. And I decided to invest in real estate here in the US while I was in Peru. I bought my first foreclosure in 2014.

I sold it a couple years after. I bought my second foreclosure in Orlando, Florida, where I met my husband. And we got married the next day, the next year, sorry. And after a few more months, we decided to buy our home. And that’s how I got involved into real estate in Florida, United States. We bought our home. The experience was not the best. We definitely were not prepared for the plunge. And we had a couple hiccups in the process.

Our loan was denied three weeks before closing. We had problems with the appraisal. So it was a roller coaster of emotions, like I tell my husband. So after that, thank God we accomplished to buy our home in March 2018 in beautiful Plant City, Florida. And right after that, I decided to make my goal to help first time home buyers. So their process to accomplish their dream of home ownership can be a smooth process and not like ours.

Brett McCollum (03:04.953)
Wow, we got a lot of unpacking. All right, let me back up a little bit. you’re in Peru. You decide and you’re, when did you become bilingual? Like when did you learn English? Was it while you were still like in school? Like what was that like?

Clarisa Moody (03:22.856)
school my parents always prioritized education so we studied in a bilingual school in Peru with my little brother and I decided to pursue French when I was at a university without even knowing that at some point I will you know make the jump and cross the ocean and go to Europe to study and that’s something I did with my little brother as well and that opened up a huge amount of opportunities for us definitely

Brett McCollum (03:48.313)
Short. Question for you. This is not at all related. I’m just a curious question. How old were you? Roughly about 18, 20 when you went to France? How old were you? 24. Okay, so.

Clarisa Moody (03:58.956)
I was 24. Yes. For Latin families, it’s a little hard to get out of the house before you get married. So I was kind of like a pioneer of my times just for leaving home at 24 and just going to another country and studying.

Brett McCollum (04:08.963)
Okay.

Brett McCollum (04:13.401)
Yeah, I bet. My question was like, because at a younger age, learning a new language is sometimes easier, right? But now that you’re an adult, you’re a grown up, what was that like learning another like new language as an adult?

Clarisa Moody (04:30.754)
It was tough, I’m not gonna lie. Our type of course that we took, it was in four hours per day, so it’s kinda like total immersion. The first week, you have a horrible headache because the teacher only speaks in French and you have to catch what you can while you’re guided by the book as well. But definitely, I think in my view, is the best way to learn when you have total immersion.

Brett McCollum (04:39.427)
Hola.

Brett McCollum (04:55.449)
Okay, how long did it take you to really start picking up on it?

Clarisa Moody (04:59.411)
takes you probably a month.

Brett McCollum (05:02.815)
Okay, that quick.

Clarisa Moody (05:03.746)
Yes, the whole course was nine months and we were ready to take the international test and everything.

Brett McCollum (05:10.999)
Wow, that’s faster than I would have thought. Man.

Clarisa Moody (05:15.168)
Everything is about commitment. you commit to do the four hours per day and you know practice after hours and do your homework, you’re gonna do it.

Brett McCollum (05:24.299)
And are you still to speak French today? Yeah? Sure, yeah.

Clarisa Moody (05:27.242)
I do. I don’t have the chance to practice it so often. But from time to time I have a couple of friends who speak it, so we just chit chat for a little bit.

Brett McCollum (05:37.825)
I love that. That’s so cool. I’m nerding out a little bit over here because like it’s something that I, our family will have to travel and see the world and you know, be a part of like, and really the way I would prefer to travel, it’s a little bit harder, you know, with young children, but is to be in a place for not just a couple of days, but like spend a month somewhere or spend, you know what I mean? Like and immerse more into culture.

That’s really cool that you got to do that. Were you in Paris? Where did you go? In France, where were you at?

Clarisa Moody (06:08.566)
I was in the south of France. I’m not a big fan of cold weather. So I remained in the south. I studied at Aix-en-Provence and then I moved to Nice to do an internship for a year. So I was always in the south, kind of warm and close to the beach.

Brett McCollum (06:22.713)
Very cool. Yeah, we went to, where’s the filmfestival.com? Yeah, or Cannes, all right. I was like, think it’s, I don’t know which way to say it, but yeah, we went there not long ago. That was really cool seeing that. Yeah, very cool. All right, well, all right, when did you get the job that it was that remote job in the US? When was that?

Clarisa Moody (06:27.8)
Can.

Clarisa Moody (06:35.393)
this beautiful place.

Clarisa Moody (06:47.874)
That remote job, I got it when I was in Peru. I was reporting on market research for the Peruvian market in different industries. And I worked with them for a little over 10 years. It was an amazing experience.

Brett McCollum (06:50.744)
Okay.

Brett McCollum (07:00.107)
Okay. Yeah, and then you were what brought you like, yeah, what brought you to the United States?

Clarisa Moody (07:08.29)
Real estate investment, definitely. I saved some money. I was still living with my parents while I was working for EuroMonitor. So what do I do with my savings? I decided to check foreclosures in the US. I like Florida. I always had a feeling for it. My parents, as a 15-year-old present, gave us the trip to Disney. So for me, it was Florida. It was amazing. So an investing.

Brett McCollum (07:10.594)
Okay.

Brett McCollum (07:20.664)
Right.

Clarisa Moody (07:36.832)
in here in one of the best places of the US, I decided to take my savings and take the plunge and I bought my first foreclosure in Lake Worth, Florida.

Brett McCollum (07:47.223)
Lake Worth, okay. And then did you move here to do that or when did you actually come here?

Clarisa Moody (07:52.01)
I had a roommate at a time that stayed in the property the whole time and I came for two, three months and then came back. My work allowed me to work from anywhere, so it’s so much better to work in Florida next to the pool than in Lima when it’s cold there.

Brett McCollum (08:10.713)
Sure. What year did you move to the United States?

Clarisa Moody (08:14.99)
I didn’t move completely till I get married with my husband in 2017.

Brett McCollum (08:19.449)
Oh wow, very good, okay. Incredible, and now you guys are there in Plant City, which if our listening audience may not be familiar, I’m from Florida too. You and I are probably only an hour and 15, hour and 20 minutes apart, give or take. There’s a really wonderful festival, the Strawberry Festival that Plant City is really well known for, very cool. Okay, so you move here, let’s talk about some of the first time homebuyer things that we were talking about a minute ago, okay?

You go through this process when you and your husband are buying your first home together and it didn’t go exactly as quote unquote planned, right? Like it was a process, right? Like you said, a roller coaster of emotions. Yeah, can you do me a favor? Go back to that time when you were buying that house and walk me through kind of a little bit what that experience was like.

Clarisa Moody (09:01.528)
best for you.

Clarisa Moody (09:11.758)
Well, we were naive. I was not completely aware of all the process that is involved in the home buying process. I knew how to buy a property in Peru, 20 % down, and you just present the documents and you’re good to go. But I didn’t know all the nuances of the first time home buying process and programs over here in the US. So once we woke up, my husband checked the mail and he received a letter from an online mortgage company saying,

Hey Chris, you have been pre-approved for $250,000 for your first home. So we just started to jump and say, wow, yeah, let’s do it. So I decided to sell the apartment in Orlando that I bought, my second foreclosure, and we’re gonna buy our first home. We were not prepared and we were not guided enough to know all the little details about the home buying process, about all the documents that you need, about the…

main requirements of the FHA loan, how peaky they can be with your lay payments and the credit score, and even you don’t need a lot of money to put as a down payment, there are little boxes that you need to tick in order to make it happen.

Brett McCollum (10:23.927)
Right. Yeah, totally. Yeah, that was, I know when my wife and I bought our first home, you know, that was before I was really into the real estate space yet. I didn’t know. I was naive too. Same story, right? And the lender side of it was the issue where like,

The day before closing you got to come up with these 25 pages of you know And then you have to come up with this and you don’t know what those are and then like and then so you’re scrambled I remember feeling like the scrambling around and running in circles, right? I’m like, what do we do? And then the stress of like are we actually gonna be able to buy this house? You know, and then the lender when you call them, they’re all

Super chill and calm. Claire said it’s okay. You know, it’s fine. You know, it’s gonna be okay. Like we got this. I’m like, you say we got this, but you just told me you have a deadline of six hours to get this to you I don’t even know what it is. You know, that was our experience.

Clarisa Moody (11:05.432)
Thank

Bye!

Clarisa Moody (11:18.934)
It was hard. I remember I lived for two weeks, two straight weeks with my scanner next to me and my computer. Because they decided to ask for the last minute documents and I needed to sign the paperwork, let my husband know that he needed to sign paperwork, come back with the… It was stressful. So I tried my best to make that first time home buyer experience as smooth as I can. I’m always on top of the process. I…

love to give updates to my clients so they can know exactly where in the process we are. But most importantly, I like to guide them through education. My motto is, if you are educated enough, you will feel empowered to make a good decision. So they feel empowered with their purchase of their house and they are not just taken away by all the feelings and emotions of the process.

Brett McCollum (12:09.581)
Yeah, so the first time Homebuyerspace, I know when we were talking before the show, is kind of your passion, you know, like of what you do in real estate.

Obviously going through that when you went through that, it probably created that spot for you in here in your heart to say, I need to serve this community better. I’m gonna ask you a tough question if that’s okay. How do you stand out amongst the other realtors in the space to say why, not that you’re not great, but how do you go, this is why I feel like I do it better for the first time home buyer? What is it that you do for that?

Clarisa Moody (12:49.178)
I love to guide them through education. I’m always there to answer any questions they might have. I love to recommend mortgage loan officers that I know their focus is going to be also education and take care of the clients. For me and my partners in the home buying process, our goal is to make the buyer successful through the closing. Getting there with the best

chances on his favor and make it happen with less stress for them.

Brett McCollum (13:23.193)
Okay. In education, do you think it’s a… I mean, my opinion on education is, especially in the real estate space, there’s just the traditional, let me rephrase this, in traditional real estate, there’s just a strong lack of education. Why do you think that might be overall?

Clarisa Moody (13:40.684)
I think people, they don’t get that education. There’s a big gap between what people learn in high school and real life. But also I think people do not do it proactively. They don’t start with, okay, I’m 18 years old, I’m going to take care of my credit score. I’m gonna put a savings account for eventually a big purchase that I need to do. If my car is a priority in the next two years, I’m gonna work hard for that.

If buying a house is a priority for me, I’m gonna make sure my taxes are right, I’m gonna make sure I am touching base with an accountant on a regular basis, checking my credit score, working for the goal. Like I said, I say to my clients often, buying a house is not hard, but it’s not super easy either. It’s like running a marathon. You need to prepare for the 5K. If you’ve never run in your life, I guarantee you, you might not make it to the end goal.

Brett McCollum (14:33.166)
Right.

Clarisa Moody (14:39.96)
But if you have a coach that is gonna guide you in the process and you’re gonna work in little milestones in the process to make your big goal possible, you can achieve it. I have held first time home buyers literally 21 and 23 year old young couple getting their first time home. So it is possible.

Brett McCollum (14:56.249)
Mm-hmm.

I love that. And I love the fact that you’re able to serve both the English and Spanish speaking community, right?

Clarisa Moody (15:05.729)
Yeah, I love the fact that I can help give back to my community like that. I have a YouTube channel exclusively in Spanish, so everybody can touch base with me and if they have any questions. I pride myself for picking up the phone. If I don’t pick up the phone, I bet I will just call you back. you know, service is my priority.

Brett McCollum (15:12.662)
Okay.

Brett McCollum (15:23.234)
Thank

Brett McCollum (15:26.553)
And that I think that’s what yeah, I’m glad you said that because I think in the in general and Be a real say or be any other industry service is a lacking

quality, right? That we don’t seem to carry as much anymore in society. It’s so bad that like when you see good service, it’s like, it’s like, what is this thing? Right? You’re like, what is happening? You know, like, that’s what good service looks like. You know, it’s like, and it’s sad that it’s like so rare that you get so you get so excited to see it. You know, that’s kind of sad if you think about it, you know, it’s like, man, this should be the normal that we serve each other. But yeah.

Clarisa Moody (16:01.9)
Yeah, definitely. Yeah. That’s why we’re on air to disturb each other.

Brett McCollum (16:09.047)
Yeah, I had this epiphany while we were talking and I’m wondering, as you know, this is a real, like this shows largely for the real estate investor audience, right? Let’s speak to the plant city market area to where you’re at, okay? And then these dollars in the marketing, the market dollars will change depending on where you guys are all listening from, okay? But specifically locally to you.

Clarisa Moody (16:26.381)
Thank

Brett McCollum (16:38.027)
and I’m going somewhere with this and I think you probably already know where I’m going Clarisa. What is the median home sales price give or take around the plant city market right now?

Clarisa Moody (16:46.99)
Right now is around the $300, $350,000 mark. So there’s a big opportunities for flippers to make money in the industry as well here in the area. I served the Hillsborough and the Polk County area. So those are definitely areas that are growing.

Brett McCollum (17:04.023)
Yeah, my gosh, The Hillsborough, mean, Polk Too, but Hillsborough is the, if you guys don’t know where that’s, that’s the Tampa and it’s greater Tampa reach is Hillsborough County. And it’s massively growing. There’s a lot of infrastructure happening and I mean, new highways being built, like brand new highways, right, being built. Like it’s insane the amount of infrastructure being built to support all the growth that’s there. Clarisa, let me ask you this one. So,

and you may or may not know this because we didn’t talk about this pre-show at all. Days on market, that’s been a big issue for us as investors right now. When you buy a house, you fix it up, you flip it, and then you list it with Clarisa, and not saying it happens to you, but just for me, you list it with your realtor, and the house will sit for, in Florida anyway, where I’m at, they’re sitting for very long, long periods of time right now. What are you guys seeing right now on that?

Clarisa Moody (17:56.014)
Yes. We are in the mark of the 50 to 60 days and what I tell my sellers, investors is price your property right. The first two weeks, four weeks of your listing need to make a difference. You need to be impactful and price unfortunately right now it’s a very big thing.

Brett McCollum (18:21.687)
Yeah, yeah, and that’s been some of the issue we’ve seen is like almost like you price it right or at least you think you price it right and it’s still not right. You know, and we’re just trying, it’s the guessing of where the market’s going and where it’s at now kind of thing. Are you seeing any difference at all from days on the market with those homes that maybe are below the median home sales pricing?

Clarisa Moody (18:28.856)
Mm-hmm.

Clarisa Moody (18:45.326)
Definitely. What I target is blue color families that are looking to get into their first time home and it’s very price sensitive. Buyers are out there but they’re not ready to make an offer until they can see a good opportunity. And for sellers, we’re not in the 2021 market where properties just flew out of the shelves, basically with no marketing effort.

Brett McCollum (18:53.07)
Great.

Brett McCollum (19:09.144)
Yeah.

Clarisa Moody (19:12.396)
Realistic with your expectations don’t have 2021 expectations. This is a market where buyers have a lot more leverage Especially if they have a pre-approval and don’t be afraid sellers to include concessions and pay your buyer’s agent because most First time home buyers, they don’t have enough funds to pay their agent So if you offer compensation to a buyer’s agent, that’s gonna definitely push your your property into a better

niche or better opportunities to be sold.

Brett McCollum (19:43.865)
I like that a lot, yeah. And I guess the lens I’m thinking from is for guys, and Yals, if you’re listening and you are flipping houses or whatever your exit strategy is, right now, while, especially in markets like Florida and these areas where days on market are growing, there’s some places in the country, people I’ve talked to, by the way, Clarisa, that they’re not experiencing what we are here, right? It’s just…

Where we are though, days on market are, it’s growing in some places, the market’s softening a lot in some other areas. But if you’re flipping a house, you you’ve heard it said, you said it when we talking, you make money when you buy, not when you sell. If you guys are targeting the first time, think about the, and that’s why wanted Kalosha to speak on the first time homebuyers so much, is because that is probably the target avatar.

to the flips that you guys are doing, right? Let me ask you this one, what about this, for your first time home buyer that you see, that you’re working with every day, let’s say I flip this house and it’s a beautiful property, is that more attractive in that price point than maybe a house that’s a little bit bigger? But like compare and contrast, like,

Clarisa Moody (20:43.598)
Mm-hmm.

Brett McCollum (21:03.577)
what’s more attractive to the first time home buyer? Is it the nice feature? What is it that you see?

Clarisa Moody (21:09.752)
Right now what is more important for them is safety. What I’m talking about safety is having a roof that has been replaced recently or has plenty of lifespan. Because insurance companies, you know that we have had this problem with them where a 15 year old single roof that still has warranty probably they want you to replace it. So make sure you have those big items taken care of. Have a house with a four point inspection that it’s clean.

Brett McCollum (21:27.097)
They will deny it, yep.

Clarisa Moody (21:39.32)
You have plenty of life for your roof. Your plumbing is right. Your electricity is up to code. Buyers, once they buy the house, they have limited funds to put back to the property. So they are really careful about making good investments in the long term.

Brett McCollum (21:58.819)
So safety, that’s huge. So you think that’s the, I think price obviously, can I afford it, right? But I think that’s the glaring obvious one. But the number two is you think is safety, right? Is making sure the roof, the HVAC, the plumbing and electrical are in good operational or higher quality standards, is that right? Yeah. Okay. Cause that’s interesting. I’m just curious, it more like, cause is it like the…

Clarisa Moody (22:06.062)
Yes, of course.

Clarisa Moody (22:11.948)
Yes.

Clarisa Moody (22:20.472)
definitely.

Brett McCollum (22:28.769)
I’m wondering, from a buyer, from a first time home buyer, and you see them every day more than I do, do they want a product that looks like the brand new stuff that they’re seeing?

Clarisa Moody (22:40.098)
They do. They do want a product that looks nice, that the kitchen is catalog ready. They want good bathrooms and big bedrooms and closets, obviously within their budget, which is important. That’s why I have also sold a lot of manufactured homes. I don’t know in Gaysville how is the market for them, but I think in my area, in the central Florida area, manufactured homes are a big thing and they are great starter homes for first time homebuyers.

Brett McCollum (22:59.853)
Yeah, yeah, for sure. Yeah.

Brett McCollum (23:07.383)
huge

Clarisa Moody (23:09.87)
They can be financed as well through an FHA loan. So the minimum they need is 3.5%.

Brett McCollum (23:10.648)
Love that.

Brett McCollum (23:16.857)
I love that. Yeah, here too. Same thing. You get a little… It’s even better if you get a little bit of land that goes with it, right? Like that’s… Yeah. I think…

Clarisa Moody (23:23.798)
Sure in Plant City my last properties that I’ve sold with manufacturer homes are one acre one acre and a half It’s perfect. Yes, that’s my kind of buyer They love to you know have the liberty of having their own land have animals chickens goats cows Whatever they please without nature

Brett McCollum (23:43.341)
I love that, yeah that’s huge, especially here for sure, I agree with you a billion percent on that one. Wonder, I was thinking too, but for the person maybe that, first time home buyer, do you think they’d be willing to sacrifice a little bit maybe on some square footage to get some of the extra features? So they get an updated kitchen and bathroom and stuff like that, is that something you’ve seen?

Clarisa Moody (24:03.992)
Yes, definitely. It depends on the type of buyer, but families mostly they try to accommodate everybody. They need a little yard space that is maybe a little bigger than the regular person because they want the kids in the property. But also they don’t care so much about the square footage, but as long as they have everything they want. And I always tell my clients, make sure you have to list.

your needs and your wants. Your needs are important to fulfill. Your wants are something that if we come around, you know, with one of those features, it’s gonna be good to have, but it’s not necessarily what you need right now.

Brett McCollum (24:45.037)
Yeah, I love that. yeah, that’s why I was asking is for our flipping community of people flipping out. Buyers, right, when you’re buying a property to flip, you have to think about the end in mind. What’s the exit strategy and who’s that person that’s buying it? So it’s probably the first time home buyer.

they have two options the way I see it, the first time I’m buyer. They can get a little more property, that means square footage, but they’re probably gonna sacrifice a little bit on the updates on the inside, right? Or they can get a little bit less on the square footage and get more updates on the inside. So I was, for our flippers, it’s like guys, if you’re listening to this, I think it’s a good perspective to say when you’re targeting these properties, like.

you know, think about that first time home buyer and what they’re, that’s why I was asking you all these questions, Clara says, getting that.

Clarisa Moody (25:36.27)
But that’s the good thing about manufactured homes and that’s why I love them so much. You can get a four bedroom, three bathroom, manufactured home that is in good condition over an acre for less than $300,000. So it’s a big house. You don’t have to compromise if you don’t have those prejudgments about manufactured homes.

Brett McCollum (25:40.247)
Yeah. Yes ma’am.

Brett McCollum (25:57.185)
Yeah, and you shouldn’t, especially now with safety standards the way they are, like there’s so many things that in the last 10 years that they’ve, requirements, so we’ve flipped a number of, know, manufacturer homes as well. They have the hurricane tie-down straps. have all, there’s a lot of safety extra features and quality that’s built. I mean, you’ve seen, and we had, how many hurricanes hit us last year in Florida? Four, I think.

Clarisa Moody (26:19.576)
Yeah. Yeah.

Brett McCollum (26:22.627)
those manufactured homes held up just like,

Clarisa Moody (26:24.046)
I live in a manufacturer home. My house has been here since 2002. We’re super happy and a little less than an acre and living life, know, just we don’t have to worry about our payments or anything. Yeah.

Brett McCollum (26:33.465)
That’s what I’m saying. Safety is not the issue. And my gosh, you’ve seen them now. Like they’re beautiful on the inside.

You know, like it’s, I agree. We are speaking the same on that one Clarisa. Yeah, I was just trying to get some perspective though on both sides of that. And I think it’s a really wise thing for our audience of flippers and whatnot to listen to, hear what the needs and wants and desires for their target. Ideally in this market with home sitting, the target flip is gonna land in the below median home sales price. So who’s the buyer? Like I said, it’s the first time home buyer.

Clarisa Moody (27:09.09)
Yes.

Brett McCollum (27:12.473)
they seeing? What are you doing? What are you like? You’re the person that’s on the front lines right now while we’re all us flippers are sitting there trying to guess, you know, figure out what people want, you know, and you being on the front lines of this is really, really good for us to hear your experience. So I’m glad you did that.

Clarisa Moody (27:30.958)
Thank you. Another little tip for your investors.

It’s besides the manufacturer home. If you as an investor are looking to get a little bit more money for your properties, try seller financing. I have a ton of clients looking for that type of deals because sometimes they do not have the credit or they do not have the ability to provide tax returns. So they need those kind of other options. And in the meantime, the seller or the investor can do a good return on their investments.

Brett McCollum (27:48.857)
Mm.

Clarisa Moody (28:04.862)
on the long term.

Brett McCollum (28:05.145)
Sure, really. Yeah, I think that’s very wise. Yeah. Well, Clarisa, if people want to reach out to you and connect with you in some way, what’s the best way for that to happen?

Clarisa Moody (28:13.972)
available on my phone it’s 813-446-2003 as I said I’m bilingual so I can help you in your English, Spanish or even French questions and I’m always on Facebook and Instagram you can look for me at Clarisa Moody Realtor and I’m also on YouTube as well Clarisa Moody Realtor

Brett McCollum (28:36.813)
I love that and we’re going to make sure we put that in the show notes for everybody to connect to. So, but man, Claire, so this has been great. Thanks so much for hanging out and spending time with us and giving all your insight and I appreciate you doing that.

Clarisa Moody (28:44.686)
Thank you, Greg.

Clarisa Moody (28:49.122)
Thank you very much. I hope you have a wonderful Easter.

Brett McCollum (28:51.863)
Thank you so much. guys, thanks to you as well for listening and hanging out with us, and we will see each of you guys on the next episode. Take care everybody.