…you to the show. Thanks so much, Mitch. First, let me begin by asking you about the person you begin with in your story, Andy Pollack. Who is Andy Pollack? Andy Pollack was the CEO of First Franklin, and that was one of the big and among the most…

…so much, Mitch. First, let me begin by asking you about the person you begin with in your story, Andy Pollack. Who is Andy Pollack? Andy Pollack was the CEO of First Franklin, and that was one of the big and among the most problematic subprime lenders…

…Mitch. First, let me begin by asking you about the person you begin with in your story, Andy Pollack. Who is Andy Pollack? Andy Pollack was the CEO of First Franklin, and that was one of the big and among the most problematic subprime lenders before the…

…of realized there was a problem but not realized it would be a problem to spend billions of dollars on these companies. Mr. Pollack stayed on and continued running the company for some period of time. And then when the company closed, that was it for…

…to say that, you know, the cow from this or that farm is the one that killed you, right? That's right. And so Andy Pollack was president and CEO of First Franklin, though, when this fall began. That's correct. I'm sorry I left you hanging there, but I…

…moving into loan origination, which is the business of lending money for mortgages. And they've hired a lot of these guys, like Andy Pollack, to run the show or to open up their new divisions in charge of retail lending, which is direct, or correspondent…

…which was one of the problems before the crisis. And these guys are sort of streaming into what is a resurgent industry. Pollack spent the time in between these two jobs running a small consulting firm out of his house. His marketing materials were vague.…