I think the company values speed and agility to the detriment of accuracy, execution, and efficiency. The company could really benefit from a robust, and ongoing, operations training program, especially in the Retail and TPO channels. The company needs a consistent hybrid WFH policy, needs to abandon a full RTO policy, and needs to re-implement hybrid for higher management levels. These positions are hard to hire for, and we've already lost several highly valued and high performing individuals at higher management levels due to a no remote/ hybrid policy at those levels.