We believe our balance sheet remains healthy with cash, cash equivalents and restricted cash of $80,800,000 total debt of $301,800,000 and total stockholders' equity of $201,700,000 as of the end of the second quarter. We ended the period with $605,800,000 in funding capacity, including $223,200,000 of unused debt capacity under financing facilities. Now turning to our outlook. For the full year 2024, we are reiterating guidance for total revenue of $510,000,000 to 530,000,000 dollars We are currently pacing toward the midpoint of this range $520,000,000 We are raising earnings guidance by more than 20% for adjusted net income and adjusted earnings per share. We now expect adjusted net income of $63,000,000 to $65,000,000 compared to our prior range of $50,000,000 to $54,000,000 In addition, we now anticipate adjusted earnings per share of $0.73 to $0.75 compared to the previous range of $0.58 to $0.62 For the Q3, we are introducing guidance of adjusted net income of $17,000,000 to $19,000,000 and adjusted earnings per share of $0.20 to $0.22 Based on seasonal differences, we also expect total revenue in Q4 to be slightly higher than in Q3, while the annualized net charge up rate as a percentage of total revenue is anticipated to be substantially lower in Q3 than in Q4.