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RUNNIN' VEGAS - The John McNamara Podcast
Talking local sports, business and real estate.
RUNNIN' VEGAS - The John McNamara Podcast
Beyond the Strip: A Born-and-Raised Perspective on Vegas's Evolution with Julie Cimorelli
Hey guys, john McNamara host Ron in Vegas. We're talking local sports, business, real estate. If you guys like what you see today, subscribe for us on Ron in Vegas podcast. If you guys like what you see today, subscribe for us on the Raw to Vegas podcast. Today we got a special guest, julie Cimarelli, county Manager. President, fidelity National Title in the house.
Speaker 2:Well, thank you, so happy to be here.
Speaker 1:Thank you Right on, excited to have you on. So let's learn a little bit more about you, where you're from what's your background?
Speaker 2:what's what's the story? Talk about Vegas.
Speaker 1:I am born and raised look out, you never see those no, there's a few of us here.
Speaker 2:Um yeah, so I've been here quite a while. I'm not going to get the age out, but uh, let's say I've seen this city change over quite a few years. So yeah, grew up here when everybody left their doors unlocked, grew up here in the 70s going to school. 80s yes. Very different time Watched the Mirage open and there were 300,000 people living here in 1988 when that opened. So that gives you the scope of where we are now.
Speaker 1:So that's so cool yeah so before we dive into real estate in the title world, like kind of tell me about the culture shifts you've seen over, because it seems like even though I met, moved here, uh, 17, 18 years ago now there's there's been a big culture shift, so you've probably seen multiple culture culture shifts yes, in vegas.
Speaker 2:Yeah, tell us more about that. Just and that's what's so cool about vegas just like we're a melting pot, everybody's moving here, right. Yeah, who doesn't want to be in vegas, everybody? From california yeah everybody from california and then right then and then you go to a legion stadium watch the raiders, and then probably more than half the stadium is in the other team's jersey.
Speaker 1:How cool. Yeah, we're a fun stadium to travel to.
Speaker 2:Yeah, it's incredible. It's probably the people that make it. The culture is definitely well, we're turning it into a real city, right.
Speaker 1:That is.
Speaker 2:We're kind of a real city.
Speaker 1:We get all the art stuff now and yeah, it's, it's, it's pretty cool it's a good way to describe it, because I had somebody on the pod the other day. I can't remember if it's on the pod or off the pod. They're like, well, gambling's going away and like it's changing. I'm like we're a totally different culture now than we were.
Speaker 1:When I moved here, gambling was still a big thing and gambling is obviously still a big thing, but, like you said, we have sports teams there's it's more to entertainment now, like vegas is very progressive and clearly has always been that way, even since the 80s.
Speaker 2:Watching those fun history docs, I love dogs on yes, on vegas, because, gosh, it's gone through so many changes oh, but yeah, the city, the city's not going to where they're gonna like when my dad started in the casino business 60s very different stories. Those are some really good stories we could share.
Speaker 1:Yeah, you want those stories. We'll bring him on.
Speaker 2:You'll love that so he worked for the mob. Yeah, you know basically, everybody did yeah, um, but you know, I just yeah, I love where you know the city kind of rallies around. I mean now, like years ago, you didn't see families coming here. You didn't see strollers on the Strip and the restaurants. I was at Aria a couple weeks ago and, cosmo, there's babies out, families coming. It's just a different deal nowadays, right? So you were on the ship. Yeah, I was on the strip.
Speaker 1:Okay, so this is good, because I've been getting a lot of calls out there that Las Vegas is falling apart. The economy is terrible. Nobody's coming here. Did you see nobody on the strip?
Speaker 2:Oh boy, I see it packed Any restaurant Friday or Saturday night. Is the economy falling apart or is everybody just extending to live their best life, right, yeah, yeah.
Speaker 1:It's funny because I think also with inflation people, maybe it's restricted a little bit, but like they just got to bring down the prices a little bit and people will start coming back out. Yes, Because I came out here man, you could party all weekend for 100 bucks. Now you can't have like two drinks without 100 bucks it's pricey.
Speaker 1:I think a drink was 28 or 38 yeah, for the specials so I think it has more to do with that, yeah yeah, I wouldn't say it's even inflation, because the, the casinos have made their money. They have this thing locked up. They just hey, if people are willing to spend it, why? Why not charge it?
Speaker 2:yes, absolutely, and we're we're kind of spoiled here, right with with the restaurants, the food that we have right here in our backyard if you want to go, I mean, you don't have to travel, you don't have to go to new york, san francisco, you don't have to go travel to go to some of the best restaurants I know. I mean, we have them right here.
Speaker 1:So true, and when you live here you don't go to the strip, no, so it's like a different world because a lot of people I've been getting a lot of calls, especially last month, like hey, how's the real estate economy? Like cause they're really concerned about the strip and everything they're hearing on news. I'm like people that live here don't really go to the strip and it's not a big part of our, it doesn't really affect our real estate economy yeah, it's gonna be special then.
Speaker 2:Or show right, you get up there for something a few times a year, but otherwise we stick to our summerland green valley right, yeah, we stick to our little area 15 minutes. Yeah, we're spoiled we wouldn't make it in california we are turning to california but a little bit, but yeah so how'd you get into?
Speaker 1:I want to hear the background story. I said how do you get?
Speaker 2:no, I know you've been doing it for a while yes, bennett, fidelity 20 helps be celebrating my 27th year next month, so that's congratulations and happy birthday, by the way thank you, thank you, thank you.
Speaker 2:So, gosh, I think you know I want to be a newscaster. When I was going to UNLV I'm born and raised here I wanted to deliver the news, go figure. And then I graduated and, um, I think I had to go start I think it was $5 an hour in the very early nineties. So I was like, had a little part-time gig at a title company and working for a real estate agent I'll kind of back up, because I was one of those I had three jobs at once, literally. Yeah, I was just working part-time for a real estate agent, answering phones for a title company. I think I worked at a bakery at Bonds on the weekend working as a camp counselor, helping. I just was doing anything. Just I just wanted to, you know, yeah, and pay for, and you know, putting myself through school and everything, so, um, and then it kind of just fell into. Well, I, I like this and I think I want to be.
Speaker 2:I think I want to be one of those escrow officers that looks, you know, it's just like I want to. I think I want to be one of those escrow officers that looks, you know, it's just like I want to. I think I want to do that. So, um, kind of that's on the job training. So a lot of women that are in escrow officers, they, you know, maybe you don't even go to college. You just kind of fall into that. Um did the escrow side of it for 12 years, fast forward. Then it was I really liked the sales side. I could sell myself on an escrow desk. So that's how I branched into sales and then management.
Speaker 1:You're a natural at it, yeah.
Speaker 2:Yeah, I like to talk, probably right.
Speaker 1:Well, you bring good energy. That's why I always like about you. No matter what because we've you know you go through real estate. We've been working with you guys for a while and there's always hiccups in real estate. But one thing I always like about you is you always bring positive energy, no matter what, and you handle situations very well.
Speaker 2:So thank you. Thank you so much and that's been kind of. That's fun, because we get crazy situations and no real estate transaction right. It's not always perfect.
Speaker 1:Yeah.
Speaker 2:And it's it's. It's how it's, it's what you do to turn it around. It's how you help the people then come through. So I enjoy that and probably in the leadership role, actually running a desk, thinking outside the box, knowing title and background issues, probably helps me with customers, get things done.
Speaker 1:A little bit better, yeah, you know. So how has that? Because you recently, recently congratulations now president. So how is? And you've been in leadership for a while, but leadership is such a different, uh, set of skill set right, yes, so tell me more about that, like the transition from escrow officer and then getting into leadership yes like what have you learned, whatever the challenges have been?
Speaker 2:oh, gotta listen. You just got. You have to listen right. Um, challenges very different sales, kind of running your own desk and then sales just as a real estate agent who's an individual agent. That maybe kind of compare and then go run a team, a brokerage, a whole business. You run a business, you're not just a real estate agent selling houses here and there. So the transition of sales I was in my own little world. I was just going to keep, well, the sky's the limit in sales, right.
Speaker 2:And then you start thinking about time, what is time and balance work. And then you, something inside you makes you want to coach others. Whether you really thought you wanted to do it or not. It's like I do, I do want to help others. I've been successful. Because then they're kind of pushing me be the sales manager, julie, be the sales manager. So I'm like, okay, I'll do it. Wish I would have done it sooner because it just I mean really rewarding and gratifying just to help and coach other people up. Really enjoyed that. And then it was like we want you to do this role. So I'm like I'm loving being the sales manager, uh, for a good five, six years and then taking over the operation.
Speaker 1:It's about the people, it's about building the right people around you, yeah, come out of the service too. So obviously we've excelled at it, cause I mean, I know even myself like and I think too, especially real estate agents and being a producing agent, we have egos, so like we, just think we're good at everything, and then you step into real leadership and you go oh, this is completely different.
Speaker 2:I'm telling you, selling a house and being a leader is two very different things. And I'm still figuring out.
Speaker 1:Me too.
Speaker 2:This has just been February, you know, and I just hired a sales manager. So I do a role because you know you've got to. It's about the right people, right, it's got to put the right people around you and it's been an interesting market coming into this.
Speaker 2:I'm not taking over the operation and it's just low interest rates. It's not like our second half of 2020 and all of 2021. It's not that kind of market. We know that. And I'm not saying the service didn't have to be excellent for everybody back then, but I'm going to say there were real estate agents probably just putting their hand out and deals falling in their lap and probably for some title companies too.
Speaker 2:I'd say there's been a lot of transition and some of those people are out of the business, so we have to be even better on our toes now. So it's been an interesting, probably one of the toughest times to transition, but I think that's for the better. I think it's building the right team, absolutely.
Speaker 1:Yeah, Team and systems. Right, Because I know for us I mean, it's obviously slowed down and we've been still cranking.
Speaker 1:But to me and what I tell our team is like, hey, this is the time where we perfect our systems and we get our communication down, and because we are slower, because when the money's coming in people don't care as much. Things kind of fall through the cracks. So there's like real money time, and then there's like building systems, team members, leader, whatever it looks like too, and you got to do it always at the you know always. But it's kind of like there's always opportunity in any type of market.
Speaker 2:Absolutely and aligning ourselves with the right partners, having your team and you guys, the way you set the bar with your partners, with your affiliate partners, vendor relationships Like now's the time through this transitional market Still incredible. You guys have done great over these last few years still. Have done great over these last few years still. But just kind of raising the bar of who we want to be in business with, the right people taking care of their clients, that's a good point.
Speaker 1:And I say this to people it's like look at your vendors if you're an agent out there because maybe evaluate, because when we're super busy we tend to just roll with the punches kind of, so to speak because the money's good's good, everybody's happy.
Speaker 1:But this is cool when you slow down, like to really evaluate those type of relationships and who you want to be in business with, because I think you and I both believe the market is going to pick up, it's going to get crazy again and then you can make your life a lot easier if you're working with the right people you know, because we may have another two, three year run again. So this is the time to meet with people like you.
Speaker 2:Wonderful.
Speaker 1:Yeah, so what are you seeing? And let's let's dive into market, because we've had a very interesting market last three years. Sales are down. This year, probably sales unless there's some crazy run at the end here, this will probably be the lowest amount of sales we've had in like 30 something years.
Speaker 1:I think since 1993, whatever it is, that might be 35, I can't remember. Yeah, so, um, see the way sales are down. So give me what, what you've seen over the last three years, and then what you're kind of seeing out there and what you. I love predictions. I won't hold you to it.
Speaker 2:Yeah, we all know what the fed said yesterday? Right, we're all just getting excited, right? 2026 yeah, we're. We're hearing about a cut, a possible cut right, but yeah, you know, we've been kind of hanging on that for the last couple years.
Speaker 2:Yeah we've heard before so I say just show up and do your business each day, right, because we we never know, but we're feeling that it's coming. We saw, when we compared was that it's over three years ago. In 2021 they there were 4 000 transactions closing a month. There were less than 2 000 in june. I think we really saw that and that was slow down yes, like when?
Speaker 2:typically that april, april, may through June fever, because then everybody's oh, I, I, they want to be where they are for the new school year, right, so we've seen it, and typically we see the refi transactions too on the title side. So those, those have really been gone right. Let's just break that down Right.
Speaker 2:Since rates went up the last few years. So so I, I'm, we're, we're feeling good about it. My upper leadership's feeling good about it. I'm hearing the buzz, I, but now I'll, I'll tell you you. You and I know what's going to happen. Rates get in this. They just have to dip enough for a lot of people to come off the sidelines. We may have inventory, but you know what that's going to look like it's going to be multiple offers. So the time is now, by now, right, I mean seriously, if you can figure.
Speaker 2:I think just more people can qualify it, just changes the brackets for them.
Speaker 1:I'm seeing we put two under contract this week, but we're seeing the savvy people starting to come out and understand that but you hit on the nose because what's the craziest thing I have ever seen in like 20 years is we appreciated 1% and our sales are an all time low. That doesn't make any sense.
Speaker 1:So it shows how strong the Las Vegas market is. It's not like it was 17 years ago. It's not going to crumble. So it's a totally different culture. Here we have business, we have money. Here we're not focused on the strip. We have a lot of folks from California now here who brought their business, their families, they have pride in ownership. So it's a different animal. So I think you're hitting the nose, because buyers and sellers don't go away. They send the sign lines till it's right, and then what's going to happen.
Speaker 2:A lot of cash. We had 40% cash transactions. They didn't care what the interest rate was. So yeah, it's going to be interesting, it really, really is. But I think Vegas still affordability when you look and compare to other markets, right. So I think when people are retiring, relocating or whatever it is, they look at still what. What was our median, what, what?
Speaker 1:what.
Speaker 2:Yeah, Still, still affordable. Rates come down a little, even more more affordable. But look, we had home appreciation that tells you we got something special here. Look we got, we got a baseball. We got appreciation that tells you we got something special here. Look we got, yeah, we got a baseball. We got mlb.
Speaker 1:Come, we got everything right, yeah, we do, yeah, yeah. It's kind of funny because you know, we I've heard a lot of agents you know complain over the years and our median sales price is 485. Now I've been in this long time. When you and I were in the business back in 2011, our median sales price was 110,000. You could sell a thousand homes and not make any money.
Speaker 2:We just needed to gobble up a bunch of them, as many as you could get right.
Speaker 1:So this is a very different market, you know, it's the there's a little bit more to go around, so to speak, and equity. And equity People have equity right.
Speaker 2:It's that I want to downsize or move up. I think it's well then even more right More buyers than they put their homes on the market. There'll be a lot of transacting. And it's funny just what the mentality of rates and the fives are going to do. We're hearing right, right, just that it's going to make enough. A half a point will move people, yeah, the number they keep saying is 5.8.
Speaker 1:Yeah, because they've figured out. We'll see, because it's going to happen in 2026.
Speaker 2:I'd be shocked if it does not happen the way everything's looking.
Speaker 1:But they're basically saying that buyers and sellers and you hit on the nose, they went upsides, downsides retire whatever it looks like, right, but as soon as it gets to that 5.8, they know, they know how many, you know what everybody, their mortgage looks like and if there's a two point less, a 2% or less a difference, people will move, people will not. It's something about that tube Like if they have a 3.8, they won't move over that 5.8. Yeah, yeah.
Speaker 1:So as soon as that occurs and I agree with you, I think even just a couple that's going to open things up, but floodgates pretty much open at 5.8.
Speaker 2:Yes, and we're there in the next like 12, 18 months max yeah. And then where do prices go? Yeah, in this inventory will will get gobbled up. We'll, we'll see it happen, it will.
Speaker 1:It's going to be interesting, you know, I don't, I don't think it's going to be like pandemic appreciation, but we're going to see better appreciation right, but yeah it's going to be interesting because I think sales are going to be crazy for the next two years, because those sales that we haven't seen the last two basically are getting pushed into 2026 and 2027 I agree, so it's time to make money again yeah, we're, we are excited, yeah, but get a jump on it.
Speaker 2:Start now, right, yes, yeah absolutely yeah.
Speaker 1:So do you have any like fun title stories, anything crazy that's happening, oh and how fun, oh crazy.
Speaker 2:You know it's interesting with uh over the years, with them being. You know we're just stricter on who our notaries are and license and bond. When I think of the things that happened in the late nineties, early two thousands to what happens today. Just usually there's there's still quite a bit of wire fraud. There's still a lot of what that's unfortunate Boy. People have to be really careful with that.
Speaker 1:Well, what's your suggestion, since we have you on here, gosh?
Speaker 2:Well, first, first work with a professional team, a professional real estate team, because they're going to have incredible partners Fidelity we have incredible systems in place, you have incredible systems in place, so we're going to do incredible partners fidelity we have incredible systems in place, you have incredible systems in place, so we're going to do the right thing there. Just, unfortunately, is a lot of fraudsters out there, so, um, we're we're seeing that with the non-owner occupied, yeah uh, the land, you know them and that's where they uh come in and try to, um, just be an imposter and sell things out from underneath you Still-.
Speaker 1:We see it land all the time because I call it expires every morning and every single morning I call a lot that came off the market. It's like, hey, dude, it's fraud. Somebody put my house on the market for sale or lot on the market for sale every morning.
Speaker 2:Wow, See that's. I had an agent a couple months ago who was going to list a property. The seller didn't own the property, it had already been sold and it was a $600,000 property. They wanted to sell it. Now they were out of and so we had to kind of go back to this title insurance company. It was a smaller company that probably didn't have systems in place to verify that that was the owner. So very, very concerning, because they're going to deal with claims and issues.
Speaker 2:So unfortunately there's bad people out there that try and take advantage, and that's going to be in any industry, right, but aligning yourself with the good partners in place to protect and we do. You know how we safeguard with wire and you know call before your wire talk to the escrow officer. We really try to do a handholding a lot of verification on the seller side. We're making sure that the seller is the seller. Sometimes people get a little flustered, like it's me. We're like hey, we're, we're. We've had instances where it's not you.
Speaker 1:Yeah, and just one thing I'd recommend out there too always have a small even if because we see a lot of folks that pay off their properties at bare minimum having an interest and if you don't want to put in trust, keep a mortgage on at all times, because fraud is very difficult. In that sense, yes so, just great advice. Yeah so, but if you're a lot, you usually usually don't have financing on a lot. Get that in a trust so you don't have to be concerned with that, so that super protects you.
Speaker 2:And then I'm in hearing too, because properties in a trust make sure your insurance company is aligned with the trust, right? I think that's what we saw with the fires in California. Properties were in a trust, but now, when they're trying to file these claims, they didn't have their insurance policy. So I would say, probably a good tip, pick up the phone and talk to your insurance agent on your property and make sure everything is in line should, if anything happens, that's good advice.
Speaker 2:Yeah, crazy stories. It's usually family members doing something to another family member. I've seen it too many times, yeah, which is over the years, and being an escrow officer, I mean we've had there, uh, there, there's been where it's been. It's been bad things where you know, yeah, like trying to trying to have the girlfriend sign for the wife, the wife might be not with us anymore.
Speaker 2:Literally, she might be buried somewhere and like trying to sell like crazy stuff like that in the late nineties to just it's funny. We see anything and everything, everything. We see somebody selling a property and tenants are in the property and then, oops, the cat jumps on the stove. When the tenant's out and there's a pizza box and he hits the little ignition the cat does and there's a fire and everybody thinks it's closing the next week. But the property so it. You know being being. You just never know what's going to happen during escrow.
Speaker 1:So we, we, yeah, we hear some crazy things I'll see it a couple times a year and I don't disclose information. I don't care if you're somebody's, unless my seller gives me permission. I do not give out information, but once or twice a year it's always a family. Hey, when is it closing? You know I don't give out that information. It's always a family. Hey, when is it closing? You know I don't give out that.
Speaker 1:It's funny when people start selling the house family members come out of the woodworks for some reason. Uh, we see that all the time, so don't get that information out.
Speaker 2:Yeah, yeah, it's good Cause you're. You're one of the good ones, right Um?
Speaker 1:so anything cool coming up with fidelity here in the near future? Oh gosh, what are your guys' goals?
Speaker 2:So great, great question, because Fidelity is really we're just really have stepped on the gas with the technology and the systems and what we're able to do for our escrow teams, where they can just be in front of the customer more because we're working behind the scenes for them with all the technology. I kind of compare it as I'm talking to escrow officers and sales to join our team.
Speaker 2:I compare it to like a blockbuster Netflix, different, just the way we're transacting for the future and just keeping the client safe and making it easier. Escrow's a tough deal, but yeah so the technology technology for our clients, our systems for our partners, just to help them. Help them grow their business, help the consumers interact with us. Everybody's on their phone where, if they can watch their transaction and the milestones and get little pings when what's going on, I mean, that's what they want right, it makes a difference and we have that with our team. Yes.
Speaker 1:Yes, because people just want. They don't necessarily want to communicate as much over the phone or sometimes, but if they can just have it, especially with AI, it's going to make our jobs. If we're ahead of it, it's going to make it more seamless, easier transactions. So that's good. Yes, and you want to know a fun fact? Fun fact, I do. I work for Blockbuster.
Speaker 2:Oh my gosh, so I did too. It was major video before it.
Speaker 1:I did too. That was one of my college jobs. I knew we had something in common.
Speaker 2:The coolest job.
Speaker 1:It was my job. We were wearing the top gun hats top gun came out so you know, that's fine I was probably the vhs beta. You were probably the dvd I'm trying to think I was like late 90s and then going into college yeah, yeah, those are good old days people try to get out of their late fees all the time.
Speaker 2:Yeah, it's crazy.
Speaker 1:What a fun job.
Speaker 2:Free movie rentals yeah.
Speaker 1:Love it. So, besides real estate title rule, what do you do for fun?
Speaker 2:How do you get grounded? How do you balance?
Speaker 1:your life, whatever you want to call it, because you're a busy woman, so I'm sure you've like to have a little fun.
Speaker 2:Just you know, a date night with my husband, go listen to some great country music, um, family food, you know, uh, I, I do. I have a, I have a special needs son. So he's you know we're, we're pouring a lot into him and and that's you know we're, we're spending a lot and and he's amazing because he's the happiest kid in the world, so that's a lot of fun, and I got grandkids now too. So it's just you know, family, and uh, we, we, we, we like traveling. My husband's from Texas, we like going to Texas seeing the Texas fam.
Speaker 1:Oh, cool, okay yeah.
Speaker 2:Oh, cool, okay, what part of Texas it's Horseshoe, bay area, lake LBJ oh yeah, yeah, it's pretty cool, so yeah, check that out.
Speaker 1:Awesome, okay. Do you have any personal goals for yourself in the future?
Speaker 2:Oh, wow.
Speaker 1:I am so excited.
Speaker 2:Yeah, well, in building this operation we're with everything in the last three years and the changes you know, just get getting some great talent over on the team. Growing the sales team. We just we just brought on three new sales execs in the last week and a half.
Speaker 1:So you guys are ramping up, we've got escrow, incredible escrow talent joining us.
Speaker 2:So just you know it, just it's, it's a, it's a challenge, right, taking over a new role and and I think you're kind of like this too, you just don't want to, you don't want to do it halfway, you just want to. So so, this being a new role, I just want I I probably want to make everybody happy too much, right, I'm just, but I, I just envisioned a great culture, great team and growing something really special helping our special, you know helping our clients, so it's, it's fun.
Speaker 1:So if you're an agent out there and they're considering a potentially aligning relationship with you or using you guys in the future, what would you? You know? What would you say?
Speaker 2:Oh, I would say, just give us an opportunity. We've got to get to know each other first, right, and just see that our, our, our values align in our business, and and let us just ask some questions and see what we can do to just help be a better partner. Um, yeah, just just want to build the relationship and get to know them. I'm excited there's so much value, but it's got to fit on both sides, right.
Speaker 1:Yeah, yeah, cause at the end of the day. I mean like business has to work, but also you gotta do you get along with the person.
Speaker 2:Do you like the person you know? Yeah, Like we have fun with your team. Yeah, we have fun. We go to happy hour.
Speaker 1:We talk shop or whatever but we like each other.
Speaker 2:It's the worst when you don't like somebody.
Speaker 1:That might be great in a business, but you're like got to call him again Cool. So what are you guys doing for your culture? Because you talked about that, You're growing it rapidly.
Speaker 2:Yes, so what do you do?
Speaker 1:Because it's like that, balancing act of culture and building yes. So what's your culture look?
Speaker 2:like and how are you?
Speaker 1:enhancing it.
Speaker 2:It seems like everybody likes sports, so we get over to the aviators right Game. Do a ball game together. It's funny.
Speaker 2:Everybody likes happy hours too right and we're kind of just planning some fun kind of little get together events, just trying to really share a little time outside of the office, right, Because we spend so and get to know everybody's families. That's good, bob, yeah. Yeah, just, you know, have things where the kids can come to too. So we're kind of looking at I might bounce some ideas off you of things we could do. This fall Okay and stuff together Cool.
Speaker 1:I'm looking forward. So we're going to wrap this pot up. So we're going to wrap this pot up. Julie, I want to thank you for being on. If you're an agent out there, hit her up. They've got a great culture, a great team to work with. And also, if you're looking to buy or sell, too great title company. So, julie, thank you. Thank you. This is Run Vegas. Take care of yourselves today. You.