Good evening, everyone. Welcome to the seven PM marathon connect two point o class, how to get paid. Right? Important stuff being talked about here tonight. Very important. Yeah. How's everybody doing? Hanging in there. Where are you guys from? Do we have West Coast people on? I know we ask for that every time, but we're just curious. Utah. Awesome. Very cool. Sydney, California, Miami. Love it. All over. Very cool. So fun. Don't know, how many of these you guys have been able to participate with today. Hopefully, you've been able to get a few in. We are having some repeats. We're working on getting those recordings in knowledge base. So I know there are some questions about that in particular. I know it's asking for some passcodes right now, and we're working on getting those updated. They will be there by Friday so that you can view them on demand, including this one. But, yeah, thank you guys for joining. I'm Natalie Cox, VP of agent community and Florida broker and Mississippi broker, and I'm joined by Patty here. She's one of our regional directors. Yeah. Patty, how many states do you broker? I don't know that I could keep up with it. I'd just need to make Current state broker for South Carolina, West Virginia, Alabama. I have a tiny piece that I have brokered in North Carolina and then regional for South Carolina, West Virginia, Arkansas, Mississippi, and Alabama. I think that's So quite a bit. Quite a bit. We stay busy over here. It's good. We we do. It's great. Alright. Awesome. So, we'll give it a second for other people to join just to clarify what this call is about. We are talking about how to get paid. We're gonna talk through the new commission intake wizard as part of Connect two point o. Maybe some of you have seen it. I know Kevin has. I saw him on here. I'm sure some of you others have as well. It's basically just a replacement for the commission intake form. You know? You have that form in dot loop that you're always filling out and submitting for your DA when you have your forms for review for compliance so we can get you paid. We just have, a virtual version of that now. It's a little bit faster for you, more efficient for you, more efficient for us. So that's what we're gonna be going through tonight and looking at together. Yes. Awesome. Alright. So we're gonna get started because I wanna be respectful of everyone's time. Life doesn't stop lifing. Right? Okay. For However Yeah. For sure. Okay. So we're gonna go ahead and get started. I'm gonna screen share here and pop over to a few of my screens. We're gonna start with dot loop. We love to hate dot loop. Right? Some of us love it. Some of us hate it, but we still use it. Right? I will say about this. Right now, that loop is our primary compliance platform that compliance works out of to approve documents. In the future, I know we have introduced SkySlope. Some of you really love SkySlope. I've used a little bit of all of them, and once you kinda get in your groove with your your software, right, it's hard to make switches. So we get that, and that's why we love to give you agent choice here. So in the future, SkySlope will be communicating with Connect. However, that has not been completed yet. So this time, Dotloop is still the platform even if you're using FormSimplicity or, SkySlope. Whatever transaction, esignature contract management system you utilize, you will need to upload those final files in compliance into dot loop to get those cleared. So I just wanna make that clear that clear. That's how it's always been so far. Again, we're working on giving you guys more choice where that is concerned, but just to give that little tidbit. So you can see here that I've made, like, I don't know, my fiftieth test loop within dot loop. I'm sure compliance loves that. So this is my second test loop for today that I have made. You can see here I do have the status like I always would. You can change these, to reflect the different status of your transaction, what kind of transaction it is, the purchase price or list price here, and then your close date. Here's the commission intake form. So just to give everyone reference, maybe you're new and you haven't seen this yet, we typically when we have you submit your documents for review, we do that through Dotloop, and we have you complete this form. And this form is what's going to give our DA team specifics on how to process the commission, your payment, are there any splits, are you opting into low GCI, is there an MLS fee, all kinds of, granular information. So this is the form that we are now going to be replacing with our commission intake wizard just to be clear. Real quick, I'm getting a message that, okay, some are some are seeing your screen or some are not. So that's interesting. I can definitely see it. Sorry about that. Oh, no. You're good. Okay. Give me one second. Okay. It looks like most can. So okay. Go for it. That's perfect. No. No. You're good. I just wanna make sure, I noticed too somebody said today with recording, sometimes they can see, sometimes they can't. So we definitely wanna make sure if you're on a phone. That's a great point, David. Yeah. You do have to swipe. Yep. Okay. Alright. Works. Yeah. Thank you. Okay. So this is just our our normal commission intake form. Quick thing about this. We're not drawing a hard line, guys. We're not pushing you off a cliff. Okay? So if you're not ready to move over to the commission intake wizard, which I think the process is way easier, but if for whatever reason you're nervous about it, we're not doing away with the commission intake form for now. You can still do it the old way and submit it through dot loop. However, once you see the process, hopefully, you're in love with how easy it is, and it's just, it makes sense for you to transition over. There will be a point in time where we are prioritizing those files that are through the intake wizard. RP will be clear on that. That will be announced where we will try to transition it over. It is not this week. Right? We have plenty we're transitioning right now, so we're not adding that to your plate. So I don't want anyone to feel like they have this crazy urgency that we're not going to get your DA out or review your files. That's not gonna be a thing. We're still gonna make sure you're taken care of. So as you can see here in my little fake loop, one thing I do wanna point out before we move forward, you as the agent and the transaction owner will need to make sure that you are listed on the dot loop. Here's why. If for whatever reason you have a TC inputting this for you, right, which could be likely, you wanna make sure your TC has you added as the primary agent here where you're whether you're the buying agent or the listing agent because dot loop, I'm sorry. Connect, when you're in connect it's been a long day. When you're in there, to import this dot loop file into connect, it has to be able to match your name to the file as the same person in Connect. So to communicate that, your name will need to be on here to import it, and I will show you that. Alright? So I have my little fake buyer here, myself as the agent, and now we're gonna go ahead and go to, Connect two point o, and we're gonna take a look at how we would start this process. Now you can do two things through the commission intake wizard. You can go through the whole process and submit your file for review along with the commission intake information, or you can just go in and submit your file for review, your documents. Maybe you're not ready to fill out the commission intake form or vice versa. Maybe you're not ready to submit your documents for review. There's two different buttons for that, so we'll go over that. You have two options here. You can go to this top tile, add transaction, import and submit your transactions, or you can go to this my biz and add transaction this way. K? So when I click on the add transaction button, automatically, our dot loop importer is going to pop up. And here's where I type in the name of my loop. And remember, your loop will have to have your name on it. I think I named it Natalie's. Yep. It will have to have you added as the agent in order to connect the two. But here I am. Here's the loop we were just in. It takes about, I'm gonna say, three to five minutes max, right, for dot loop to be able to recognize it and the systems communicate to each other. So if you're doing it, like, immediately, you're creating a loop and then you're going over to connect. If if you have, like, no lag time there, it does take, I would say, about three minutes. It's pretty fast. So here, I'm going to click on the name of my loop, and I'm going to click import. Okay? What that's going to do is connect the two platforms with all the information that I have input, and now I'm gonna start my process of filling out what would be my commission intake form. Right? But this is the digital version. Again, you're gonna see these two buttons here. You can press these at any time. I don't wanna submit the intake form right now because I haven't put anything in it, but I can go ahead and submit this file for review to compliance without filling out the intake form just by pressing this button here. It will ping compliance, and they will start reviewing the transaction as opposed to you submitting it through Dotloop. So here, notice it's going to pull in a couple of things, but not all the info. And I will say, guys, put your questions in the chat. I don't look at the questions in the chat while I'm going because I don't wanna get, distracted, but we are gonna try and answer as many questions as possible for you all. So first, it's going to ask me on our initial page for the property address, which here okay. So I don't even know what I named it at this point. My words are all jumbled. It's Wednesday too. Yep. You got it. Okay. So it's closed. Alright. I have my state and my ZIP code, and I'm gonna click next step. Okay. Here, they're gonna ask me to confirm the transaction details. Notice the transaction type did import from Dotloop as well as the closing date. If this is wrong for whatever reason, just click on the down the the toggle box and make sure you select the correct one. No big deal. You can change it. Close date, contract execution date, we're gonna say it was today. And then the MLS number, I'm just gonna put my fake MLS number in here. Okay. And this is the MLS number of the property you're either listing as a listing agent or the property that's being purchased that you are representing. So that would be that number. Someone had a question about that specifically. Notice it has options here if you're not a split check state. Right? Every state is different. Some states, you're able to get paid at the closing table by DA. Some states, you're not allowed to, and the the whole amount has to come to LPT in its entirety, and then we have to turn the funds around to you. Those are called single check states is what we call them. Well, here are your options if you are in a single check state. Now if you're not in a single check state, you don't necessarily need to pick one of these options because you're gonna be getting paid at the closing table by DA is what we're going to assume. But you could pick one as a backup if you would like. This really pertains to single check states. Here, you have the option to choose for the title company or the closing attorney to send you or to send the funds to LPT via ACH. This would be an option. If you'd like to do it that way, you would just select it, but, also, make sure that you have this deposit link information set up as well. You can choose for it to come to LPT by wire. There are there's a charge for this. Wires are pretty quick, right, about thirty minutes. There is a wire, safety process, if you will, in order to send funds to LPT this way. So if you do select this, make sure that you go through this process. You have the option to mail it to us. Do I recommend that? I sure don't. But if you would like to do it that way, some agents do. They're not in a rush. They're okay with being it's with it being sent via mail, or maybe they're gonna overnight it. That's okay. You can totally choose that option. Then you have the option to pick up the check from the title company or attorney directly. Remember, it's gonna be made out to LPT in its entirety, and you can then deposit that full amount, that whole check into a Chase or Truist deposit bank account that we have. That is an option for you. There is one more option that's not listed on here that I keep trying to remember to get listed here as well. But if you're a single check state, we also have the option for you to register with our JPMorgan Access app, which is our commercial bank where you go into LPT Connect, you go to the tile that says user preferences, or is it commission concierge? I'm gonna look before we close the meeting, make sure I tell you guys right. But you go in there, you click on that tile, and then you can sign up for that app. It's amazing because you can take a picture of the check from the attorney or title company. We get it within minutes, and it's free to you. So that is an option as well. That's really fast turnaround time. Here's what I will say about wiring and ACH. Notice that ACH funds, guys, are typically next business day is when we receive those. So if you choose this option on a Friday at one PM, we're not going to see these funds enter our account to be able to process to you until likely Monday. So it's just important to have the timing in mind. I would say the fastest way people ask, what's the fastest way that I have the most control over? I'm gonna tell you that will be wire or that's gonna be depositing in one of our accounts or with the JPMorgan Access app. So those are your options if you're in a single check state. And I'll make sure you guys have those instructions if you haven't heard of that before, but hopefully you have. Okay. Moving on. So we go to our next step. Here, it's gonna ask us about the sales information of the property. What is the list price? I'm gonna say that this property was five hundred and fifty thousand dollars, and I got my buyer a steal because we do. Right? Alright. Commission type. Is it a percentage or is it a flat amount? This is the commission that you are collecting. In this instance, I'm, impersonating or functioning as a buyer's agent. So I'm going to put into the system that on this deal, as a buyer's representation, I'm collecting three percent. And you can see here it's gonna start tallying the amount on the right hand side, as we move through these pages. Notice here too, it also says be sure to include any other fees you are collecting below. Are you collecting any other fees? So what kind of fees, Natalie? Well, let's look. How about a transaction fee? How about a MLS fee or maybe it's a bonus? You can toggle between these three options. I'm gonna say here that I am charging my clients or I'm collecting a three ninety five transaction fee. So I'm gonna enter that and click submit. And you see here it's gonna keep a tally of that as well. Notice this box here, commission being paid in installments. This would apply to some commercial transactions and or some builder transactions where it's in phases. Unfortunately, it is not an option for a consumer, so a buyer or seller, to pay commission in installments. That's just not something that is enforceable at this time. We have had people ask about that. Unfortunately, there's not a mechanism for that. So this, just keep in mind, would apply to a commercial or builder transaction. Once I confirm that there's no other fees that I'm collecting as a part of commission or fees that I'm personally collecting for payment within the transaction, I'm going to check this box and move to the next step. Okay. Here, you can see that it has prepopulated, brought in from Dotloop, my client. I can go here and further edit my client information. I'm gonna choose the client type. They are a buyer. I can go as far as to put in their address, their phone number, and even notes if I so choose. Okay? The thing to remember about this, we have a client page and we have a party's page. We wanna make sure that anyone we are allocating money to or assigning funds to let's say I'm gonna give my client a thousand dollar credit, right, for whatever reason with from my commission. You have to make sure that you can assign it to the correct party. So you wanna make sure all your parties are here. For clients, it's whoever is on the contract, who's purchasing the property, no matter if they're married or not. If their name is on the contract, they should go in as your client. K? Moving on to our next step. Here we have parties. Okay? The parties involved in the transaction. Notice it gives a description here, like the opposing broker, title company, referral agent, a mentor, a lead source, any other relevant entities. So any parties that are involved, I just want to list them here. Let's say and and notice it's gonna populate me as an agent automatically, LPT as the the broker. You can further edit this here and add more tags if you wanna customize it more or put in more information. Let's say for demonstration purposes that this is a Zillow lead or this is a referral. Right? So we have the option here to designate that this is a referral, and then it's gonna ask me who who is the referral? Who is this going to? Well, since I'm choosing Zillow, there are three options that are hardwired into the system for you. Zillow, in this instance, I'm gonna choose, and it will prepopulate that. However, if this is where was a referral for from Jane Doe at Keller Williams, then I would just make sure that I list her information out, her company name here. Again, you have the option to add notes, email address, and her phone number. And then I'm going to click add party. You'll see that I'll put right here, it'll mark Zillow as referral, and you'll see why this matters as we get to the next couple of pages. So once you have your parties entered, you're gonna go to the next step. Here, it's gonna ask me, are there any fees owed to the opposing brokerage from my commissions, such as an MLS fee? We all feel very passionate about MLS fees. Right? I know some of you are lucky enough to not even know what that is, which is great. But we do have some agents on the other side who offer a commission but also try to pass on their fees. So in this instance, if I did owe something like that to the other agent or opposing brokerage, I would toggle over to yes, click add fee. Here, again, you have the option to choose from, is this a transaction fee, an MLS fee, or a bonus? Here, I'm gonna just put MLS fee. I'm gonna put a hundred dollars, which is petty, but I've seen some agents. Okay? Notice again, it's gonna keep a tally over here on the right hand side for us, and we're gonna go ahead and move on to the next page. Here's where we have the option to issue a credit to either the buyer or seller from your commission. No or yes. Same process. Here, just for demonstration, I click add credit. Notice that there's a drop down box for client, and it's going to pull this information from the client page. So if I don't have my clients entered in on the client page, it's not gonna have a name to assign this to. That's why it's important to put your clients in. K? So let's say I'm gonna give Casey a credit of a thousand dollars and submit. K? Records it here. Again, tally on the right hand side. We're gonna move on to our next page. Okay. Next page. It's going to ask us if we owe commissions to a split to a referral source. Right? Notice that it already pulled in Zillow because I prefilled that out on the party's page. So here, I'm obviously gonna toggle over to yes. I can look at the referral information for Zillow by clicking on edit because this is hardwired in. Thirty percent. Save. Same thing, though. Let's say for whatever reason, I owed a referral to Jane Doe Keller Williams. It would populate Jane Doe Keller Williams here, then I would need to click on edit and make sure that the percentage amount is entered there for how much that agent is receiving for the referral, or you can add them here. But keep in mind, you will have to make sure that they are on the party's page when you try to add them. So that's the importance of the party's page. Quick question, from the gallery. If you're using the same referral source over and over and over again, will it save in this where we can just click and click, or are they having to input every time right now? So the only three that are hardwired into my knowledge at this juncture are Zillow, HomeValue, and Opcity. So if you have one other than that, such as Redfin, right, maybe that would be a good example. We can look at adding more and building more of those out and maybe the option for either to save something custom to you, but at that time or this time, we don't have that available. But that's a great question. Thanks. Yep. As you can see, it has our ongoing tally over here still, and I'm going to say I have no more referral sources, and I'm going to sources, and I'm going to move on to the next step. Okay. So this is actually the last page. It's pretty short and sweet. Notice here that you're gonna see this bright red box saying the transaction fee hasn't met been met yet, and then the excess of the transaction not been assigned or allocated yet. So in order to, put in this information, and it might seem a little counterintuitive, but I need to tell the DA specialist or the team who is receiving this commission and who is paying the one ninety five and receiving this two hundred dollars. When I click add primary agent commission, it's gonna default to me because I'm the transaction owner, and I'm the one putting in the information and on the deal as the buyer's agent. So it will hardwire your name in there, and then it will ask you a couple of questions. For example, do I want to opt in to the low GCI on this deal, which is where I would only pay twenty percent and I would not pay a transaction fee. Right? In some instances where commissions are low, like under twenty five hundred dollars, this option makes sense if you're looking to keep more money in your pocket. If you have a thousand dollar rental commission, you might not want that to go towards your cap. You may be more interested in keeping the funds. So instead of paying five hundred dollars plus the six ninety five, right, you can just pay twenty percent. Rental, I probably shouldn't have used that example because that one's typically twenty percent anyways. But I think you guys get the spirit of what I'm saying. If it's less than twenty five hundred dollars, you sometimes you don't want to contribute it towards your cap. Your option for that would be the twenty percent low GCI opt in, or I can say this is a personal deal for me, which keep in mind for personal deals, I do need to be listed on the deed for it to be counted as personal deal. So not like, you know, for my mom, for example. I would need to be on the contract. So as the primary agent receiving this commission, how much of this commission am I receiving? I'm receiving, in this instance, let's say, a hundred percent. Right? I'm getting all the commission. I did not work on this with anyone else. I just have my referral fees with Zillow. Who is paying the one ninety five transaction fee? Here is where I can put in, because I'm the agent here, how much of the one ninety five is Natalie Cox paying? The one ninety five to LPT. In this instance, not that much, I'm going to pay the one ninety five. Right? So I would just put that number in here, and it's going to say remaining zero. Now what if let's say, I have a team leader I'm doing a split with or a co agent. Right? I can choose to put in here, like, hey. I'm going to pay a hundred dollars of the ninety five, and then I can add the other agent or team lead, and they can absorb the remaining ninety five when we get to their screen. So different options for you here, how you want these funds to to work out. Also, because I added remember, three ninety five is my transaction fee. So the system accounts for that excess two hundred dollars, and it wants to know who is that going to. So on this page, how much of the two hundred dollars is Natalie Cox receiving? Am I going to receive the full two hundred, or am I gonna receive a hundred and then the other co agent on the deal is going to receive a hundred? This is how you can, designate who's receiving those funds. You can put all the notes you want in here. More is better. Right? Remember, this is replacing the the commission intake form. You guys write all kinds of things on there, and it's great because we need all that information to make sure we're processing it for you correctly. So I'm gonna go ahead. For example purposes, I'm gonna click add split here. You're gonna see me show up as the primary agent and that I'm the one receiving a hundred percent of this commission. Well, let's say that I do have an agent split. Let's say that I am the co agent. I have another agent on this deal. Remember, you wanna make sure that the agent is listed in your party's page too so that it can be assigned, which I didn't do. So for here, for demonstration purposes, you can still type it in. I'm gonna use Meredith's name. I'm gonna say that the split type in this, Meredith and I are splitting this fifty fifty. Right? So she's getting fifty percent of the commission, but I'm absorbing the one ninety five. Right? There's nothing more of that to pay. And I'm also taking the extra two hundred dollars. But if I wanted to split those amounts between us, I could, like I showed you before. And I'm going to click add split. It's going to add here watch when I do that. I go back to my name. It's going to default it now to fifty percent because I'm adding a split. So this is how you can add in team splits. Again, you can make all the notes that you want here in regards to that if you have a special circumstance, and we know that some of you do. Just keep that in mind. You notice now that my transaction fee has now been met, so this box is now green. And where that excess funds of two hundred dollars is going to, that is now accounted for. And then you see over here on the right hand side this ongoing tally of funds. And here's what I wanna say about this, and then we're gonna jump to, a couple more things and then some questions. So notice that your when you look at this tally, the comp plan, your comp plan with LPT is not accounted for here. Right? You don't see the five hundred dollars. You don't see the twenty percent if you're on rev share or hybrid share. So just keep in mind, this is not your final number. This is not meant to be, like, an automation of your DA in real time. Our DA team is still going to review all of these numbers, still review the documents, and make sure that this information is correct and also account for your comp plan, and we'll send a final copy of your DA and the numbers. So this is not meant to be like a end all be all to necessarily show you the final number real time. It's meant to be a faster way to get LPT the information so that we can get that back to you faster and expedite that process. So I don't want anybody to be super disappointed and be like, oh, I'm definitely getting this amount and not realizing that their comp plan is not calculated into this yet. So I just wanna be very transparent about that. Couple of other things. One thing I did not I just realized I did not show you guys on the referral source page. Notice here you have an advanced options button. Right? And I just backtrack. So that is the whole process, and I will go to that end page. But notice here for referral sources, you have an advanced options button, which looks like this, which has the different splits and money that you, are either receiving or expending. And it's going to ask you if you want that to be included in the referral source split or excluded. Because, for instance, Zillow is gonna take all your money. Okay? They're gonna take their thirty percent. They don't care if you collected three percent and then a five thousand dollar bonus and you had a transaction fee. They want thirty percent of all of those numbers combined. Whereas, if I have a referral split with Jane Doe, for example, with Keller Williams, she's probably going to take twenty five percent of my three percent, but they don't necessarily take a percentage of the transaction fee. Right? So it can vary in that way, which is why we have these options available for you. If you don't know, if you're confused by it, that's okay. The DA team, compliance, they're all going to be reviewing this. And, again, you can put notes and questions, and they can assist with that. Let me go back to our final page here. And just to explain this one more time, again, you have these two options here where I can submit this intake form but not my files from Dotloop, or opposite of that, I can then submit my files for Dotloop for compliance, but not the intake form, I can choose. Or if I press this button here at the bottom, submit file for review, it's gonna send all of it. It's gonna send the intake form, and it's going to send my dot loop files simultaneously. When I click that, I have the ability to put a note here again and click submit. K? The other thing you can do is come back to your transactions and review the information. Let's say I have a change. Right? And here's all my fun different, test loops. If I have a change and this file I can see has been submitted for review, I can click on this transaction. It gives me the basics. I go again to my intake wizard, and let's say the commission has changed for whatever reason. It's gonna tell me here your file is being reviewed by our team to update the transaction. Please submit a change request. I can do that here by clicking request change and then filling out what changes I'm requesting, and then compliance and DA will come in, read that, and make the adjustments within the file. Okay. So I feel like that was a lot of information. Mhmm. So I'm gonna stop sharing for a second and come to the chat and see if there's anything. We have a couple I know Patty is an inter Yeah. We have a couple a third party vendors, photographers, TCs. Are we allowing those to be paid out of okay. So we would just put those notes in there for those things. So that was one of those. So make sure that you add them to the party's page. Right? And let me go back. Did I close out my connect? Hold on. Nope. I didn't. So let me go back, and I could show you guys that real quick. So share my screen. Notice here that on oh, it's under commission agents. Right. Right here. Primary agent. And this is a different transaction, so nobody panic. Right? Where it says pay party from agent commission when it has me, then I can click this. Again, they have to be a part of my party's page, But then if I have, Carolina TCs, I don't know. First thing that came to my mind. Then I wanna make sure that I have them added on my party's page. I can select them here from party. I can put in the amount. So great question. The next one was, if they already have a Chase app, can they Mhmm. Will it be a second app, or is it the same app if they want? Okay. It is a different so if you're just talking about, like, Chase Bank, it is a different app. So it's actually called JPMorgan Access. Let me show you guys where this lives as well. We can Yep. Commission Yep. Commission concierge. Yeah. Okay. Notice here that and I thought you could click on these, but you don't click on them. They're just two little circles. You're gonna scroll down here, request access to the JPM Access app. You click this here. It asks you for your cell phone number and then for you to confirm that. Once you do that, our team can then set up your phone. Now I have a couple of things to say about this Mhmm. Because that was the test bug when we first got this app. First of all, it's really cool because it is a commercial bank, so there is no limit. I know on some of these banks, they have, like, a five thousand dollar limit of a deposit you can make like this. This is sky's the limit. So that's cool. Second thing is it doesn't when you access, you put in your cell phone number, JPMorgan will send you an email. You wanna make sure you access that email from your cell phone. You don't wanna do it from your computer. And the reason why is you're gonna be holding up your cell phone to take pictures. So you just wanna make sure you can access your email from your cell phone. It will prompt you to download the JPMorgan Access app. Once you download that, it's a very simple app. You really can't screw it up. There's very few things you can do in it. So it's pretty simple. We have a great process for it. So, yeah, great option for those of you who are in single check states. What else? Great question. Yeah. Let's see. Next is for for the transaction fee form in dot loop, you would enter the three ninety five and have your client sign it. Mhmm. Yeah. I mean, that's pretty Yes. Yes. But remember too, though, now that we have BBAs, now that BBAs are a thing, we need to make sure that we're adding our transaction fee on our BBA no matter what kind of BBA you're using. Right? Maybe you're using the pre showing, pre touring LPT disclosure, which is very minimal. Maybe you're using a full on exclusive BBA. Either way, your transaction fee needs to be specifically on that sheet is what I would say. Yes. We have the, LPT sales disclosure too, but putting on the BBA would be even more important. Can they still bring a check deposit? Absolutely. Yep. You can still take a check and deposit at Chase or Truist. You sure can. Whatever is easiest for you, that's what we care about. What is the easiest way for you to get this money to us so we can turn it around to you? You prefer they submit files as they move through the different stages of the transaction or only prior to DA enclosing? That's up to you. If it were me just because I'm a little bit type a when I'm not stressed out now when I'm stressed out, I tend to operate in more chaos, right, which I feel like is true for all of us. But I feel like, ideally, I am submitting my file for review at least a week before the projected closing date, and I personally would just send it all at one time, but different strokes for different folks. If you like to submit it in phases, that's totally fine. Just keep in mind that once you do the intake wizard, if you have a change, you will have to go in and request a change through that box. You're not you don't wanna go in and go through the whole process again. I don't think it'll even let you because it won't import double time. So you just would have to go through that change process. But I would say I'm submitting my file. There are some states that you do have to submit them, like, within a specific time frame. So it just as far as the state laws. So just kinda keep that Great point. Into mind as well. Great point. And I would say this too. Even if I'm not actively submitting that button to to Patty's point, according to policies and procedures, whenever you have a document executed by a client or consumer, it is supposed to be going in dot loop within twenty four hours. And in some states, they do require you deliver those documents immediately. So it really varies by state law, but it's not necessarily that's not necessarily the same thing as submitting it to for our compliance team to review for payment. That is more compliance within broker operations and best practices, and let's make sure we get our paperwork, uploaded promptly and copy copies to our clients. So great question. I think the last one is if we can put all of our marketing costs such as photographers advertising, how does it affect the commission split between LBT and the agent? How does it affect the commission split between so as far as I'm assuming that question is, like, the order of how that comes off. Patty, do you know off the top of your head? I don't. Yeah. So I would need to, find out, ET. I'm not sure if that's your name. Yeah. I will need to find out. It there is a certain order. I do know this. Referrals come off the top no matter what. Right? If you're paying, like, a TC or photography, those are set fees. Those aren't splits, typically. So splits are typically have an order. Referrals always off the top. Once you have referrals split out, then typically you have your LPT fees and your comp plan fees. Once that is done, then you are looking at paying out, you know, your photography. I believe that's correct. These should be post all splits. Yes. Agreed, Gina. So yeah. No. Gina is, she would know as well. So but I can get you more granular information on the flow of that, but I don't have it in front of me. Great question. Do you need to download an app for Chase? You don't need to download an app for Chase if you're going to Chase necessarily to so here's the thing. And and some of us have been calling Chase and JPMorgan the same thing, and I got in trouble for that recently. So JPMorgan access app is different than Chase. I know they're the same company, but it is different. So for Chase, no. That would be a deposit at one of their branches. For JPMorgan Access, yes. And you can sign up for that through commission concierge, like Patty said. Nice. Okay. Yeah. Yeah. I just had to confusing. Thanks, Tara. Well, there you go. Yeah. And something Alright. Any other questions? We're gonna wrap it up here. We have a ten o'clock tonight. I think that one is marketing. I could be wrong, but I think that is our next topic coming up at ten. Hopefully, you guys learned something tonight about how you can simplify your process as far as submitting documents, getting paid. This is, again, meant to be a tool to make things better for you, easier for you. So try it out. We want your feedback. Thank you for being patient with us through this transition. So much, available to us through Connect two point o. Super exciting. So thank you guys so much, and, we'll see you again at ten. Alright. Bye, guys. Thanks, Natalie. Yeah.