David Scharf

“You know, when we think about the cash needs versus the collateral value debate on what a consumer is actually going to do when they walk through your door, maybe more directly, do you think PLO growth would be the same, the same store PLO growth with gold prices at last year's levels.”

“I've been hopping between calls, so I missed the prepared remarks. So I apologize if this has been addressed already.”

“I wanted to follow up on, I guess, a couple of questions on the capital side. And, you know, the first relates to, you know, loan retention. You know, I thought it was very positive on an actual absolute dollar basis, it looks like the amount of core personal loans retained on the balance sheet is going down.”

“I wanted to ask about a couple drivers of further operating leverage. And, you know, one is on just the OPEX side. As you noted, remarkably, it's been flat for about 18 months, despite the amount of growth you've seen.”

“And maybe just as a follow up, and you may have just partially answered it, but is part of the credit outperformance coming from an increase in the repeat borrower mix?”