Adjusted earnings per share was negative $0.11 based on a diluted weighted average share count of $85,600,000 We completed the full year with net revenue of $514,000,000 down 39% from 2022, a contribution margin of 63%, up 14 percentage points from the prior year and adjusted EBITDA of negative $17,000,000 representing a negative 3% adjusted EBITDA margin versus 4% a year earlier. We ended the year with loans on our balance sheet of $977,000,000 before the consolidation of securitized loans, down from $1,010,000,000 the prior year. Of that balance, loans made for the purposes of R and D, principally auto loans, was $411,000,000 In addition to loans held directly, we have consolidated $179,000,000 of loans from an ABS transaction in the Q3 from which we retained a total net equity exposure of $38,000,000 We ended the year with $368,000,000 of unrestricted cash on the balance sheet and approximately $590,000,000 in net loan equity at fair value. Some amount of the core personal loans added to our balance sheet in Q4 were aggregated in anticipation of a secondary loan sale That was completed following the close of the quarter totaling $300,000,000 Despite the promising economic indicators around inflation and employment, We believe we are not yet completely out of the woods from a macro perspective.