Sanjay Sakrani

“I guess when I look at slide five and those cohorts that seemingly are headed in the right direction, you know, when we look at the difference between, like, the first one and the last one, And there seems to be a bifurcation between when you apply it to a direct merchant versus the marketplace, right?”

“Taylor, you mentioned the World Cup was a strong contributor to the second quarter results, and then obviously we saw that in the payments revenues. I'm just curious, when you look underneath that, do you feel like the business was performing commensurately ahead of sort of expectations as well?”

“It was good to see the loss rate declining in the second quarter. Obviously, as you guys indicated, the consumer is doing pretty well. May I ask, like, does that help give you sort of ammunition to expand the credit box?”

“Is that negative $23 million this quarter run right now, or can that become more severe as you bring on incrementally more volume in the back half of the year? And are you guys seeing any changes in demand from asset managers or is there still some repricing there?”