Nothing really to add except my thoughts. I see a lot of upside...

Nothing really to add except my thoughts. I see a lot of upside here. With all the major mortgage brokers owned by banks, the market is wide open for a new independent. YBR is well positioned to capture the opportunity with backing and a bag of products from Macquarie.

YBR will be plowing their net revenues back into building their branch and consultant resources in the short term.

No guarantees. I bought at 48 cents and holding for mid- to long-term.