Vincent Kaintic

“Thanks for taking my questions. and great to see the consistency of the great results over the past couple of quarters. First question, wanted to go over the fundamentals or the organic part.”

“First, I wanted to talk about the relative competition, um, comments. Um, I know you talked earlier about maybe competition increasing a little bit. Um, but it's, it's pretty amazing to see, you know, same company managed receivables growth, growth, 35% year over year.”

“I did want to go back to talking about the sensitivity to gold prices. It's just been the biggest investor question I've been getting last night and this morning.”

“First, I wanted to talk about the integration in Mercury. It's nice to hear that it's moving ahead of schedule. Maybe if you can go into more detail where we're at, what's been achieved so far, and what's left to do and how long it might take.”

“I wanted to follow up sort of on the um the seasonality discussion again on in terms of the guidance um you know strong full year 2026 guidance first quarter guidance is a little bit more mixed someone sort of wondering um so you just gave the expenses that's really helpful you know how should we think about the…”