Jacob Stefan

“First, maybe just kind of building off of that last one on TRISM. Um, you know, when I look at IPT, it grew kind of, you know, low single digits in the first half, but, you know, your, your fiscal year guide is 20%.”

“Maybe just touching on CFTPay then, you know, average monthly enrollments were down year over year, but, you know, your average build clients grew pretty nicely.”

“Maybe just first, looking at kind of the larger size advances, you know, your 121-day kind of charge-off rate, you know, ticked up in the quarter a little bit.”

“Maybe just on the Q3 program guide, you know, Q3 implies, you know, roughly 20, you know, new additions in the quarter. um that's pretty strong to us uh seasonally just given you know q3 is uh usually a lower quarter but you know when when you kind of factor in that q4 is typically stronger um and you know correlating…”

“As it relates to guidance, I just want to get some clarity on kind of the gross margin front. Obviously, a little step down in this quarter, but I think, you know, your guidance implies a pretty meaningful ramp in the second half, maybe even reaching 67% in Q4.”