Specifically, the key highlights for Q4 2023 compared to the prior year are strong 10.7 percent total revenue growth to 132,900,000 dollars disciplined 3.3 percent net originations growth to 191,900,000 dollars the annualized net charge off rate as a percentage of total revenue improved by 12.9 percentage points to 46.4 percent. And prudent expense management, with total expenses, excluding interest expense as a percentage of total revenue, down 5 0.6 percentage points to 33.8 percent. This led to solid rebounds in profitability. Net income of $1,900,000 up from a loss of $5,200,000 and adjusted net income of $8,900,000 up from a loss of 2,800,000 compared to the prior year are record total revenue of $508,900,000 a 12.4 percent increase record ending receivables of $416,500,000 a 3.6% increase the net charge off rate as a percentage of total revenue declined to 43.5%, an 8.1% improvement and disciplined expense management with total expenses excluding interest expense as a percentage of total revenue by 6.2 percentage points to 35.4 percent. As a result, profitability improved sharply with net income of $39,500,000 compared to $3,300,000 and adjusted net income of 40 $3,300,000 from $5,000,000 Adjusted net income margin was 8.5%, 50 basis points higher than implied by the midpoint of our guidance.