$79. 0 patch. But wait, if you haven’t been active in the last 90 days, you will also be eligible for Hearthstone Free or Loaner Deck. Upon reinstalling I was given the option of playing with loaner decks, and to my understanding I would be given the option to keep one of the decks after a brief trial period. It’s still best to get rogue because any duplicates are free dust for you, it has the highest relevant legendaries and they should all be good enough stand along that even if they deck itself goes away. 0 decks will be added when Festival of Legends unlocks on April 11 and affected players will get to choose from those loaner decks. The Hearthstone team has confirmed that free decks are no longer limited to one deck per account. But, rogue decks are harder to play than the paladin deck. Hearthstone’s upcoming expansion, The Witchwood, will allow you to loan decks to your friends. • Festival of Legends F2P Playlist: #TrumpWhile Hearthstone's meta is still shifting and evolving, some decks start to rise over others in this week 1 of the Titans expansion. To be eligible for a Free or Loaner Deck, you need to create a brand new Hearthstone account, complete the tutorial, the Starter Questline, and graduate from the New Player Ranks (40-1). Returning player, For some reason my game is not allowing me to select the loaner deck to keep. No you won't be locked in. Last time I came back I felt very pressured with having to make an uninformed decision before I could even look through my collection, as the deck selection would completely block all the other game features before it was completed. Especially with all of the Death Knight hype. Free legendaries and epics from the core set like like Sire denathrius aren't counted in the following. Click on “My Collection” from the main menu. Improved New and Returning Player Deck System. So, I get the old set. Best Deck Lists to Climb Standard Ladder - Showdown in the Badlands - Platinum - Legend (November 2023) - Hearthstone Meta StatsMaster Duel Festivals are back! After a break from the Loaner Decks due to the Ranked Link event, we return to the known formula. • 13 days ago. in terms of being close to its meta deck this expansion, being closer to new archetypes and other stuff. You should be able to change your signature treasure until you lock your deck and start the run. 495. Log into Hearthstone and complete the tutorial and the Starter Quest line. Right now, we are unfortunately in a state of unbalance where there are only 2 classes (Shaman & DK) with a >50% win rate. Hearthstone Collectible card video game Gaming. Mysteries of the Phoenix: Druid and Hunter. No one can know for sure which decks will come out on top once the dust. So which is it? The card itself doesn’t specify that it is a spell. The glass is 3/16" thick, providing a sturdy and durable surface that will withstand the heat and pressure of your fireplace. If you like these articles,. Budget Hearthstone Decks. Go to hearthstone r/hearthstone. 161. Tri-Spright ~The World A blind going second deck at skips your opponent's future turns. Congrats! The lists for these decks honestly look really good in being competitive, especially for those who are returning or just starting out. 5. 39. Mysteries of Stormwind. 6, there will be 6 Loaner Decks they can try during that period. The Warrior deck is pretty solid too, the other 4 are either outdated archetypes (mage for example is a good deck but Sif/norgannon is the current finisher, not Vexallus bolt. I don't play every day so I didn't get to test all of them, just the Mage and Druid deck, and now I have only 13 hours to choose one of them, but I don't know which has the best value. Find popular Hearthstone decks for every class, card and game mode. Deck code. You can find the full lists for all free decks here, and then compare them to the top performing. Don’t want to miss out on collecting a new. But still, wait a bit if you can. Maybe these decks will spark some inspiration? It's a Warrior deck utilizing Blackrock 'n' Roll from the Hearthstone World Champion himself, mr. 0 Known Issues. There is no point in risking it . Congrats! The lists for these decks honestly look really good in being competitive, especially for those who are returning or just starting out. Desktop View. I had. Use the Mrglock loaner deck. Rainbow Mage – #1 Legend (Norwis) – Fall of Ulduar (TITANS) XL Reno Mage – #21 Legend (MageKingRyan) – Wild S116. Especially with all of the Death Knight hype. Class: Hunter - Format: hydra - Season: season-104. Yup, that's the case for most of the solo mode as well. You can also try the Classic mode which may be more familiar to you, with cards as they were in 2014. For example I wanted to get the demon hunter deck for xilag and lady Stheno but I already own kurtrus. Cloak allowed Rogue to just focus on dishing out as much. Beetrooper is a multi-step combo Deck, and works fine, but the lack of Battlewasps makes it hard to present proper interruptions. Ostkaka Demon Hunter (Legend November 2023) Posted By: Ericjson - Published: November 21, 2023 - Updated: 17 hours ago - Dust Cost: 7,560. m. They can’t be disenchanted and you don’t get an extra copy. There's also the loaner decks, blizzard gives all new and returning players a list of "loaner decks" to try out for a short period of time. Tier 5 : Fun decks that should only be used if you play Hearthstone for the joy of the gameplay, rather than the joy of winning. [Hearthstone] Photographer Fizzle’s Snapshot will now grant cards when recast by cards like Grand Magister Rommath. Honestly, though, it’s the Dragon package that makes. That's certainly one way to make the decision. Starting with Patch 24. Fractured in Alterac Valley. T. The 2 last loaner decks feature fairly outdated archetypes and are probably not worth it overall. x2. Rainbow Excavate Mage – #255 Legend (Unknown) – Showdown in the Badlands. Odyn Control Warrior – #1 Legend (mlYanming) – TITANS. Day (17/41) of making the worst deck in hearthstone. Murder at Castle Nathria. April 12, 2022 To be eligible for a Free or Loaner Deck, you need to create a brand new Hearthstone account, complete the tutorial, the Starter Questline, and graduate from the New Player Ranks (40-1). • 13 days ago. However, when the menu comes up showing all of the loaner decks, it’s now showing a Paladin deck with the Rogue deck. You can play 6 decks for free for a week and then pick 1 to keep. Madness at the Darkmoon Faire. As a returning player, upon logging in I was immediately faced with choosing a Loaner Deck to keep for free. A bit of an offbeat option, Mech Warrior is a mostly-neutral Mech deck that makes use of Warrior’s powerful exclusive cards within the type, these being Furious Furnace and Dyn-o-matic. 6, new and returning players* will have an upgraded free deck experience. The other decks, not quite my style, But Balinda's composition, solid and worthwhile. Guff's Guidance (Druid), Beasts of the Deep (Hunter), Magical Mastery (Mage), Jackpot! (Rogue), Impfused with Power (Warlock), Embrace the Pain. Other Decks on ygoprodeck. 4, we will reinstate loaner deck grants. r/hearthstone • The audacity to still sell Classic packs in the shop after removing the gamemode on 1 week notice and not even giving 25% dust refund on the cards we had is absolutely outrageous. 336. 1 Like. Wondering what deck has the best value in terms of dust. If you pick loaner deck with cards you already own you will get duplicates. Nature Overload Shaman – #1 Legend (Norwis) – TITANS. I know a billion people have reached Legend but I was never able to reach Legend no matter how hard I tried when I played the game for several years a long time ago. I did some analysis on the second image for what brings me the most value, and in short, I believe the Jackpot deck with its 6 legendaries (including Astalor) (and technically Tess doesn't count since she's Core) none of which. Warrior has one clearly-defined combo that Blizzard obviously intends for us to play: Switch decks with Tony, King of Piracy Replace the cards in your loaner deck with The Fires of Zin-Azshari Destroy the deck with Steamcleaner Have Tony die before or after deck destruction to switch the. The goal is to get people back into the game after they quit a while ago. You can craft the Paladin deck either way and Rogue has two neutral legendaries that are good: Astalor and Azshara. You had a week to play the decks and now you have to choose one to keep. Upon completing these quests, you will be able to select your free. Posted By: Bernd - Published: November 30, 2022 - Updated: 12 months ago - Dust Cost: 12,480 Tweet. r/hearthstone. It's high noon! Flavor Text With an uncertain past and a questionable future, Reno was lucky to find his home on the range. ago. United in Stormwind. This game seems to have gotten a little more f2p friendly. 9M subscribers in the hearthstone community. Go to hearthstone r/hearthstone. ago. ago. Rogue and paladin are both close to a tier 2 deck. The decks awarded to new and returning players have been updated with the Festival of Legends! Returning players who have been away for 90 or more days are eligible for a free deck just for logging in. It’s been 5 years since I have logged in. Other two decks (Hunter, Paladin) are sitting somewhere in between – they’re mostly Tier 2 builds that will work fine, but aren’t the top meta picks right now. Loaner decks don't ever have the current expansion cards in them, but Pure Paladin didn't use the Legendries from Festival of Legends. Paladin decks can be very versatile. Bug Report. Loaner decks. Hearthstone's patch 24. For the first time ever, I'm doing an expansion guide on Hearthpwn and in the latest addition, you guys can preview the pre-order Hero, (hero tray, full art, 4K resolution cropped hero manually made by me) as well as listen to voice lines, download them, etc. Descent of Dragons. A Warrior-Type Deck based around "Heroic" monsters. I also came back after a long break, about 3 years. Reno Mage – #121 Legend (Bunnyhoppor) – Showdown in the Badlands. Best Hearthstone Decks – Standard Meta Tier List – Showdown in the Badlands (November 2023) By: Stonekeep - November 20, 2023 - Updated: 3 days ago. However everybody agrees that its fairly boring to play with some sparks of high rolling games. 1. Thanks in advance!Descent of Dragons. loaner deck. In any case, I’ve tried out all of the loaner decks and really like the implock deck, but was just curious if any of the other loaner decks included lots of cards that are used in many decks and if I’d be better served by choosing that one. (18 expansions ago) 392. Liiiiz • 4 mo. Edit in Deck Builder. If you want to see all of the current top meta decks, go to our Hearthstone Meta Tier List post! Hearthstone Standard Legend Decks of the Week. 6 patch. Legend with a loaner deck. No. 6 (loaner decks), it might be a good time to come back. 6, launching today, is a massive patch that kicks off Hearthstone’s next event, immediately adds Knights of the Frozen Throne to the free Core Set for a limited time, reworks Mercenaries systems,. In the main menu, click on 'Hearthstone' and then select the Standard mode (click on the button on the top right) and the loaner decks should be there unless you don't have access to them. I am a returning Hearthstone player who was enjoying the Loaner decks. This is actually the best warrior deck you can play right now. (18 expansions ago) 392. In Patch 24. 2 Patch Notes: Azerite Snake (the Warlock Excavate Treasure) Nerf & more November 17, 2023; Hearthstone 28. it sounds like you are eligible for it . Starting with the 24. I'm a returning player and I can see the loaner decks but how do you select the one you want to keep? Can't see an option to select. To eliminate bias, we've also included other pro players. Well, not higher rank, but no longer in the lowest. We will not be able to reinstate new/returning player decks with a hotfix this week like previously planned. New and returning Hearthstone players can try out six loaner decks for a week before choosing a free one for their collection. My loaner decks expire in 3 hours, and suddenly it's all new decks after the 25. It could be a win condition in a slow Control Warrior deck, or it can be played in a faster combo deck that focuses harder on card draw than the control variant. Best Standard Meta Decks. Miracle Rogue is viable in higher ranks. Yes you get the complete set. Hearthstone Twist Winter Break Update November 17, 2023; Hearthstone 28. Best decks for each class from Diamond to Legend rank. 5 months with the new year and first expansion of the year. Oh, I found them. x2. Hearthstone: Best loaner deck Starting with patch 24. Same problem. Returning player, For some reason my game is not allowing me to select the loaner deck to keep. This time with Flavor texts and a Spicy change to Fiery War Axe! Third and final try to get these cards to feel better and more in line with todays standards. Instead of Mech Mage I have the option for Magical Mastery and instead of Murlock Warlock, I can choose Imp Warlock. We have Pals that Perform, Dinosaurs of all shapes and sizes, and some Amaze-ing Attractions. ago. it sounds like you are eligible for it . This Loaner Deck is purely made out of the "Heroic" archetype, and has a very aggressive playstyle. Geddon-1739 November 6, 2022, 7:09pm 19. Cant recognize the game. A Deck that uses "Supreme King Z-ARC". Fractured in Alterac Valley. [Hearthstone] Fixed a bug where Rowdy Fan’s effect was granting +4 Attack. Hearthstone Collectible card video game Gaming comments sorted by Best Top New Controversial Q&A Add a Comment [deleted] • Additional comment actions. Rogue, DH are best for starting out your class, in my opinion. Other 3 decks are likely not worth considering. Thanks in advance!Patch 24. The Hearthstone Shelburne 8370/8371 Glass comes with both the glass and a tape gasket, making it easy to install. Today - wasting 1600 dust and proposing a new rule! Check the comments and vote on it! 1 / 2. The updated free decks list can be. Big Beast Hunter is just a great deck, so if you want to win, that’s definitely an option. Rogue Jackpot! Disclaimer: The vicious syndicate list only features the 40 card iteration, the loaner deck is a 30 card version. So for the loaner decks, I can either take the warlock murloc one that will give me the cards I need to beef my murloc deck up, or I can take one with a lot of legendaries for profit. While mech mage is still a good and super consistent mid tier deck and beast hunter has been a meta tyrant for the last couple of months if you can pilot Naga Priest correctly that deck is the #1 deck in my. The video teach you how to play the deck like the mulligan ( which card to keep), the decision making against each class, the strategy of your deck. I’ve got a couple questions about the free decks and how to spend my gold:. It's almost the optimal version of pure Paladin and the deck has been looking strong on this first day. It utilizes "Heroic Challenger - Assault Halberd," which can easily be Special Summoned, and "Heroic Challenger - Knuckle Sword," which has an effect to. I’ve been gone from Hearthstone a very long time, in fact I think I mostly played before any expansions had been released. 240. Voyage to the Sunken City. It’s very easy to hit legend as F2P because of the loaner decks. Choose your rank and get the best decks to level up with. 625 0. My guess would be Paladin, it’s almost Legend able from the box. Murder at Castle Nathria. I was very grateful for this gift and since the game advised me that I had 7 days to make a choice, I decided to. Remember that free. T. r/hearthstone • For the first time ever, I'm doing an expansion guide on Hearthpwn and in the latest addition, you guys can preview the pre-order Hero, (hero tray, full art, 4K resolution cropped hero manually made by me) as well as. . [Hearthstone] Photographer Fizzle’s Snapshot will now grant cards when recast by cards like Grand Magister Rommath. Rogue is closer, and has some good neutral legendaries. Hunter or Paladin two tier S , but hunter needs some extra cards. I have the option to choose one of the loaner decks tomorrow. For fans of Blizzard Entertainment's digital card game, Hearthstone Members Online. I personally like to go to look at the Standard set available and build my own deck. A Deck based around Insect-Type monsters, with "Beetrooper" monsters at its heart. So after core set rotation i wouldnt have full deck lol if i didnt own legacy copies of preparations. I've been using the loaner decks (Implock and Druid) My rank is silver-gold. 5k, which is not worth dusting because the cards are all really good. [Hearthstone] Fixed a bug where Rowdy Fan’s effect was granting +4 Attack. At least not for me. The only one I would argue against is warrior, it’s very bad right now. you can farm 2900 gold and ~5. Patch 24. The 7-day trial period was originally supposed to end two days ago. i kinda wanna pick the warrior deck but im not sure if it will perform well or not. CakeGeneral • 1 min. 6 (loaner decks), it might be a good time to come back. Feels like i will lose my chance. Loaner deck disappeared. And they're full of Dragons! More specifically, the 3 decks are themed around Blue-Eyes, Red-Eyes, and Slifer. Typically, faster combo decks are better than slower combo decks, so I expect the main Tony Warrior decks to have a lot of card draw to cycle to the combo as quickly as possible. [Hearthstone] Fixed a bug where Arcanite Ripper would count Armor change as Health change. These are the versions of the decks that will be o. Check out Mage Standard Decks (November 2023) using data from last 4 days. It could make a difference. A question about the loaner decks. Mech mage doesn't even register on vicious syndicate, i used some random list in hsreplay for reference. But this time, there’s a twist! When you choose Death Knight, you will randomly play with one of three decks, each highlighting a different rune. Voyage to the Sunken City. My loaner decks expire in 3 hours, and suddenly it's all new decks after the 25. Catch-up packs contain between 5 and 50 cards, depending on your collection progression. They don’t give you duplicates of core set cards because you can’t disenchant them. 1 / 4. 1 / 4. Madness at the Darkmoon Faire. DGerg095-2811 March 17, 2023, 9:56pm #1. Loaner deck to keep July 2023. r/hearthstone A chip A close button. Hearthstone Top Decks. When my loaner deck trial was over, the only deck that was not on the list was the Warlock. are the loaner aggro decks bad or do i just suck. Missing Loaner Decks. Instead of being immediately asked to choose a free deck to rejoin the ladder with, they will be able to test six loaner decks for one week before selecting one to permanently add to their collection for free! We’re excited that this will give new. just got this as well, haven’t played in a. As far as I know, to access the loander decks you have to get out of apprentice ranks (apprentice rank 40 is the apprentice rank you start at). Be cautious, that lasts for 7 days and they you have to chose which one you keep. This is a thread for discussions that don’t qualify for a…Loaner/starter decks after rotation? Hi all, I recently convinced one of my best buddies to start playing HS and he is currently working through the beginner ranks and learning the game. 0. If you want to see all of the current top meta decks, go to our Hearthstone Meta Tier List post! Hearthstone Standard Legend Decks of the Week. Miracle Rogue is viable in higher ranks. Copy Deck. In any case, I’ve tried out all of the loaner decks and really like the implock deck, but was just curious if any of the other loaner decks included lots of cards that are used in many decks and if I’d be better served by choosing that one. This one in particular is also one of my favourite decks to play for how versatile. Budget Hearthstone Decks. Badlands Expansion Guide; Badlands Card List;In this Hearthstone Standard meta report, I take a look at the top 15 best decks to climb to Legend after patch 25. I already reached plat by using these loaner decks in 2 days ( i am totally new player not smurfing or anything )So which to get and. If you are a new player, you must first complete the New Player Experience introductory quests and graduate from the New Player ranks in ranked mode. [Updated 4/6] New/returning player decks are not currently available. You can craft the Paladin deck either way and Rogue has two neutral legendaries that are good: Astalor and Azshara. r/hearthstone. And worst of all, until I pick a deck I literally cannot play Hearthstone. Madness at the Darkmoon Faire. Paladin has important legendaries for Pure Paladin. Okay, hear me out, I came back to this game 6 days ago, confused and overwhelmed by all the changes. Started this game 2 weeks ago, just hit legend with the Legendary Invitation loaner deck. 0! New players are eligible for their free deck after completing the tutorial, the Starter Quest chain, graduating from the New Player Ranks (Ranks 40-1), and then returning to the main menu. Hunter deck has decent card quality and will leave you with some usable cards. Should I go for the dust value or maybe for the deck viability?. This is our favorite pick, and it has also been one of the most powerful Hearthstone meta decks for several months now; it just doesn’t fall off. Forged in the Barrens. Liiiiz • 4 mo. At that time, the current (pre-TITANS) loaner decks will be replaced by Pre-Badlands decks: those are the decks listed in the OP above. Secret Excavate Mage – Old Guardian – Showdown in the Badlands. I haven't played one game of standard or ranked in that time. This means that if you have received a free deck in the past, but you spent over 90 days without logging in, you will be eligible. Find most popular Mage decks in different archetypes. . Hearthstone Database, Deck Builder, News, and more! Home Cards Ability Minion Weapon Hero Hero Power Location Core Set ClassicGo to hearthstone r/hearthstone. I returned a few weeks ago, took the pally loaner deck and reached diamond 5 running the deck with no alterations. Hi people! I'm a returning player and i noticed that you can get one of the loaner decks for free once the timer ends but the thing is that i don't know where to find that option : ( Since the new patch came out the loaner decks just disappeared and they didn't give me a choice. Loaner Decks for New and Returning Players Starting with Patch 24. 6. Edit in Deck Builder. Budget Hearthstone Decks. Out of all of them, enrage warrior and pure paladin are the best ones atm, but enrage warrior has a higher learning curve, and pure paladin will service you fine up to legend, so I'd advise the paladin deck. XL Control Priest – #1 Legend (Amaxagon) – Festival of Legends (Audiopocalypse) Format: wolf; Season: season-112; Posted By: Stonekeep; 14,320; 1 Crimson Clergy 2; 1 Fan Club 2; 1 Shard of the Naaru 2; 1 The Light! It Burns! 2; 2 Power Chord: Synchronize 2; 3 Cathedral of Atonement 2;There's a new Festival coming soon to Master Duel, and it comes with 3 Loaner Decks for those who can't or don't want to make their own. Get app Get the Reddit app Log In Log in to Reddit. Rmcfarla51-1357 December 13, 2022,. So the best decision for me would be the deck with the most legendaries right (or most dust I guess) klafhofshi • 28 days ago. Join. Luci Kelemen. In Patch 24. The randomness of Rune, a thrill, Each trigger pull, a gamble, a chill. Totem shaman, enrage warrior and pure paladin are all played right now so stands to reason those 3 loaner decks might have the better foundation. These three classes – Death Knight, Demon Hunter, and Paladin – have been the early winners in the new meta. Community Manager. [Progression] Improved display of rewards. Cant recognize the game. Taylor Cusick. Rogue has the best value. All four of the craftable legendaries and rune of the archmage in this deck are rotating out of standard in April. Take advantage of its Summoning power to call out your trump card monsters from the Extra Deck. r/hearthstone • 1 mo. Wondering what deck has the best value in terms of dust. The balance changes have a. Showdown in the Badlands. And it’s hard to say how the new expansion will treat them. If you are returning or starting Hearthstone before the Standard rotation of 2023, which free deck should you keep? In this video, I take a look at all the c. Go to Standard play and when you can choose your deck, click the arrow on the left. 0 decks will be added when Festival of Legends unlocks on April 11 and affected players will get to choose from those loaner. Best value loaner deck to keep? : r/hearthstone r/hearthstone r/hearthstone • 1 yr. For example I wanted to get the demon hunter deck for xilag and lady Stheno but I already own kurtrus. Check out Stonekeep on Twitter!Patch 24. Rogue before was a legend viable list immidietly, priest wasnt, and that comes together with a good neutral legendary and 2 core rogue legendaries. Voyage to the Sunken City. Alternatively, unlocking Wild first should also resolve the issue, end the loaner deck period, and offer the player their choice of deck to add to their collection. Go to hearthstone r/hearthstone. ago. I personally like to go to look at the Standard set available and build my own deck. Today we go over the latest free Hearthstone decks from TITANS. To eliminate bias, we've also included other pro. Alright so I really enjoy the Totem deck and usually I just play what I like but, is it playable at higher ranks? I'm silver atm and have been sweeping other players using loaner decks but they're most definitely new players. [Hearthstone] Fixed a bug where Tony, King of Piracy shuffled decks when swapping them. Hearthstone Top Decks. BestDecksForYou. razorpineleaf1 • 2 yr. Hearthstone Collectible card video game Gaming. See full list on gamersdecide. If you want to see all of the current top meta decks, go to our Hearthstone Meta Tier List post! Hearthstone Standard Legend Decks of the Week. Once the timer hit 0m, it lapsed to 23hr 59m and has been stuck at that time indefinitely. How to claim Loaner Deck? Events. If you guys like it, Ill. Murder at Castle Nathria. The countess 400 (nathria) 400. I still had several days to play, when I (inadvertently, not that it should matter) went to “My Collection” and it wiped out the Loaner decks prompt and I don’t appear to have any way to “claim” the deck I was. IF YOU ENJOY THESE DECKS, POSTS, AND VIDEOS, PLEASE CONSIDER GIVING. Okay, so I logged in once two months ago to get 200 free packs, never even played a match, and now I literally cannot play Hearthstone. Scythe Spell Demon Hunter – #1 Legend (Semon) – Festival of Legends (Audiopocalypse) Format: wolf; Season: season-111; Player: semon; 7,200; 0 Dispose of Evidence 2;Which one of the 6 rental decks is best to keep? Hey fellas, recently returned to HS and have those 6 rental decks they let you use and then after a week get to keep one. • 21 days ago. Best decks for each class from Diamond to Legend rank. Just hoping to maximise my value. Scholomance Academy. Otherwise I'll likely pick the rogue deck as it's the class I play most and it seems to have fewer rotating cards than other decks. Their strategies revolve around the use of different combinations of Blood, Frost and Unholy Runes. Rogue,hunter druid and demon hunter the best,shaman and priest have potential but need more cards to be added to be complete,warlock is the worst one. Click on the “Crafting” button below the collection page. For the second place I'd say prolly Mage. . Old Guardian has a video for March of the Lich King loaner decks that list what deck has the most dust value. All stats and win-rates for decks are calculated using actual user game data. Check out Stonekeep on Twitter! The next Hearthstone patch also features an updated free deck experience for new and returning players. Improved New and Returning Player Deck System. I came back to Hearthstone after quite the hiatus. Get app. Posted By: Bernd - Published: November 30, 2022 - Updated: 11 months ago - Dust Cost: 14,920 Tweet. Rogue, DH are best for starting out your class, in my opinion. Loan Mage.