Longer-term, our consumer value proposition is changing. In our case, that centers on the speed of the transaction. Technology removes friction and transactions are becoming faster and easier to do. In the past, agents could rest on relationships – they really only had to fear another agent cold-calling one of their past clients. In today’s world, with Zillow, Realtor dot com, Facebook and Google, and big data and artificial intelligence, agents face sophisticated competition every day. Sending a monthly newsletter just will not cut it now. To compete, agents must leverage technology and social media to develop deeper relationships with the consumers.