Good afternoon. On today's call are Todd Schwartz, OppFi's Executive Chairman and Chief Executive Officer, and Shiven Shah, Chief Financial Officer. The company's fourth quarter and full year 2021 earnings press release and supplemental presentation can be found at investors.oppfi.com. During the call, the company will discuss certain forward-looking information. These forward-looking statements are based on assumptions and assessments made by OppFi's management in light of their experience and assessment of historical trends, current conditions, expected future developments, and other factors they believe to be appropriate. Any forward-looking statements made during this call are made as of today, and OppFi undertakes no duty to update or revise any such statements, whether as a result of new information, future events, or otherwise. Important factors that could cause actual results, developments, and business decisions to differ materially from forward-looking statements are described in the company's filings with the SEC, including the sections entitled Risk Factors. In today's remarks by management, the company will discuss non-GAAP financial metrics. A reconciliation of these non-GAAP financial measures to the most comparable GAAP measures can be found in this afternoon's earnings press release. This call is being webcast live and will be available for replay for one month on our website. I will now turn the call over to Todd. Thank you, and good afternoon, everyone. First, I want to say how proud and excited I am to return as CEO of OppFi and lead this dynamic company in its next phase of growth. As some of you know, 10 years ago, I founded OppFi with a compelling mission to help millions of consumers who are locked out of mainstream options to gain access to credit. The goal was clear, provide simple credit to help people with unforeseen expenses and help millions build a better financial path. Today, I remain as passionate about this mission for financial inclusion as I did in 2012, and I'm extremely confident in our future. As I will detail in the next few minutes, this year, we are focusing on our core business, which we believe will position us to continue to achieve consistent profitable growth. Therefore, we are pursuing initiatives we believe that represent the best allocation of capital and yield the highest return on investment to unlock the potential to further expand our market share and continue to lead our industry. As OppFi's Executive Chairman, CEO, and the largest shareholder, I want to underscore that OppFi's board of directors is committed to maximizing long-term stockholder value. To this end, we recently announced our $20 million corporate share repurchase authorization that we intend to utilize when we believe OppFi's share price is disconnected from the long-term value and potential of the company. In addition, my family and I are, and have been, strong believers in the long-term potential of OppFi and are prepared to further invest and support the stock when we see such a disconnect in the market. Now, I would like to go over three topics before I turn over the call to our CFO, Shiven. Number one, offer some reflections on our record for 2021. Number two, speak about the macro outlook for 2022. Three, discuss our key product enhancements specific to the installment loans business for 2022. We are very pleased with our record results and strong profitability in 2021. We continue to have a strong, profitable core business with robust demand on the heels of the economic recovery and increased consumer spending. For the year, we generated $351 million of revenue, in line with guidance, and $66 million of adjusted net income, consistent with the higher end of our expectations We ended the year with a strong balance sheet with $62 million of cash, $158 million of unused debt capacity, and $473 million of total funding capacity to fund future growth. As we anticipated, we are seeing a shift in the macro environment with consumer spending financing trends normalizing to the pre-pandemic levels. The end of federal stimulus programs, including Child Tax Credits, decades-high inflation, and increased consumer spending are accelerating demand for credit from our customers. In addition, the strong labor market is creating more employed qualified borrowers. This normalization of demand drove the second consecutive quarter of record originations in the fourth quarter, resulting in record volumes for the year. We also ended the year with record receivables, which establishes a strong baseline for which we grow in 2022 and beyond. While it's early, we have seen this acceleration of demand continue thus far in 2022. In January and February combined, we generated a 51% year-over-year increase in originations. This trend is better than expected from historical seasonality trends. At the same time, demand is returning to pre-pandemic levels. As a result, we are proactively managing our expected credit performance to ensure that all customers to which we facilitate credit meet our risk-return criteria. Recently, we re-rolled out our new next-generation credit model that we believe will enable us to target more prospective customers while achieving our target return hurdles. In the second half of 2021, we also made several product and operational enhancements that we believe will have a meaningful impact on growth and profitability in 2022. First, our Market-Based Offers. We are introducing market-based offers to profitably grow our core loans business that incorporates different rate, term, and loan amounts following promising testing in the fourth quarter of 2021. We saw certain channels and price points generate 2.5 times volume increases with lower credit risk versus our traditional product. We believe this initiative will enable us to expand our market share and reach customers we have not historically served, all while reducing credit risk. Second, tech-enabled efficiencies and automation. We continue to leverage our proprietary technology platform and artificial intelligence systems to automate the loan approval process. This not only enhances the customer experience with speed, but also improves operational efficiency. Percentage of automated loans more than doubled in 2021. These loans are funded with zero human interaction. We expect to continue this upward trend in 2022, which should drive increased operational scale and efficiency. Third, credit enhancements. As mentioned earlier, we recently introduced our next-generation credit model, which will allow us to target qualified customers more effectively. When credit began to normalize in Q4, we implemented optimized underwriting parameters in our new model that have resulted in a decline in early-stage delinquency. Of course, in addition to these initiatives, we continue to work on improving the user experience, increasing conversion rates, and acquiring customers more efficiently. To this end, we are excited to further leverage our industry-leading customer service as exemplified by our Net Promoter Score of 85. In 2022, we are highly focused on maximizing our core OppLoans product as we believe we can gain market share with the enhancements that I outlined, unlocking profitable sustained growth. In summary, we are excited by our key initiatives and the resurgence of consumer demand and are confident about our future, as well as our ability to serve more customers by facilitating safe, reliable credit options. With that, I'll turn the call over to Shiven to review our fourth quarter and full year 2021 results, as well as provide commentary on our outlook for 2022. Thanks, Todd, and good afternoon, everyone. To start, I would like to note that our 2020 income statement is presented on a pro forma fair value adjusted view to present like-for-like comparison. You will recall that on January 1, 2021, the company transitioned to the fair value accounting method for its core installment receivables. Turning now to our results. Despite a challenging macroeconomic backdrop, 2021 adjusted net income increased 19% year-over-year to $66 million, in line with our original outlook at the time of our business combination announcement in February of last year. This is a testament to the resiliency of our business model through varying economic cycles. Adjusted revenue increased 9% to $351 million, while adjusted EBITDA grew 16% to $117 million. In addition, originations were up 23% year-over-year to $595 million, driving a 22% increase in ending receivables to $338 million. Strong financial performance during the fourth quarter led to record full-year earnings and the high end of our guidance ranges for adjusted net income and ending receivables. More specifically, revenues of $96 million were up 11% compared to the fourth quarter of 2020 and increased 4% from the prior quarter. Our ending receivables balance on an amortized cost basis was $338 million at the end of the year, up 15% from September thirtieth and up 22% compared to the end of 2020. Much of that growth was tied to accelerating origination volume, which totaled $187 million for the fourth quarter, up 25% year over year and up 14% sequentially. From a mix perspective, more than half of the quarter's originations were extended to new customers versus 43% in the fourth quarter of 2020. On an absolute basis, new customer loan originations for the quarter increased by 51% compared to the prior year quarter and were up 14% sequentially. Our annualized net charge-off ratio was 53% for the fourth quarter of 2021 versus 36% for the third quarter and 31% for the prior year quarter. Charge-offs continued to normalize as expected in the fourth quarter with our 2021 net charge-off ratio coming in at the midpoint of our previous guidance range of 35% to 40%. While the Child Tax Credit program initially muted the upward trajectory of delinquencies, the impact faded later in the year. Moreover, on behalf of our bank partners, in the second half of 2021, we tested new channel partners as well as extended testing and credit facilitation to newer customer segments. We are no longer facilitating the origination of loans to these segments, and we believe this charge-off trend will likely dissipate by the second quarter. We project first-quarter losses will trend similar to fourth quarter 2021. Looking ahead, we expect improvement in our net charge-off ratio beginning in the second quarter and therefore trend towards pre-pandemic levels as the year progresses. We have seen improvement in delinquency trends from January and February originations that we believe bodes well for future loss rates. Turning to expenses. Operating expenses for the fourth quarter, excluding interest expense as well as add-backs and one-time items, totaled $44 million, or 46% of revenue compared to $44 million or 48% of revenue for the prior quarter and $38 million, or 44% of revenue for the fourth quarter of 2020. The year-over-year increase was primarily driven by more than 50% year-over-year growth in new loan originations and the corresponding impact on direct marketing and acquisition expenses. Following a detailed review of our cost structure, we are implementing operating cost efficiency initiatives that will result in a reduction in our cost base of approximately $15 million on an annualized after-tax basis, of which only a portion we expect to realize this year. More broadly, we expect to continue to reduce overhead and unit-level costs with a goal of driving higher incremental margins over time as we more fully leverage our technology platform. We expect first quarter 2022 operating expenses, excluding interest expenses as well as add-backs and one-time items as a percentage of revenues to remain in line with the fourth quarter of 2022 before improving in the second half of the year as we realize savings from our efficiency initiatives. For 2022, we are projecting operating expenses, excluding interest expenses as well as add-backs and one-time items, to be 43% to 47% of revenue. Adjusted EBITDA totaled $20 million for the quarter, down $11 million sequentially and $14 million versus the prior year quarter. As higher revenues and relatively flat expenses were more than offset by increased charge-offs. As expected, our Adjusted EBITDA margin continued to normalize through the fourth quarter, reflecting rising net charge-offs and higher volume-related expenses. For the quarter, our Adjusted EBITDA margin came in at 21% compared to 35% in the third quarter and 40% for the fourth quarter of 2020. Looking ahead, we expect margins to remain in the 20% to 25% range for 2022, with the first quarter expected to come in at roughly half of those levels due to the temporary elevated charge-off levels in the first quarter. We are confident that margins will expand as the year progresses, driven by our new underwriting model as well as realization of expense efficiency. Furthermore, we anticipate additional step-ups in profitability in 2023 and beyond. We realize the benefits of accelerating growth in higher quality originations with 30% as our long-term margin target. Interest expenses, excluding debt amortization for the fourth quarter totaled $6 million or 7% of total revenue compared to $4 million or 5% of total revenue last year. Interest expense increased versus the previous quarter as we funded receivables growth from cash flow from operations and debt. We expect interest expense as a percentage of revenue to remain at 7% for 2022. We generated adjusted net income of $11 million for the fourth quarter compared to $17 million the prior quarter and $21 million for the fourth quarter of 2020. As of December 31, 2021, OppFi had 84.5 million total shares outstanding, excluding 25.5 million earn outs. Adjusted basic and diluted earnings per share for the fourth quarter was $0.13 and $0.78 for the year. Our balance sheet remains healthy with cash of $62 million, total debt of $274 million, balance sheet receivables of $338 million, and equity of $158 million. Our net debt-to-equity ratio remains well below two times. Coupled with $470 million in funding capacity, we have ample liquidity available to support our future growth plans. Turning now to our outlook. As Todd discussed, the credit cycle is normalizing after being temporarily supported by lowering demand, reflecting the influx of cash from government stimulus programs. These factors will impact revenue, net charge-offs, and earnings in 2022. That said, our more recent initiatives are designed to allow us to adjust to these changes and maximize returns and minimize credit risks in the long run. In summary, for 2022, we're introducing the following guidance ranges. Total revenue and ending receivables growth of 20% to 25%. Net revenue, defined as gross revenues less change in fair value, margin between 60% to 65%. Adjusted operating expenses, excluding interest expense, add-backs, and one-time items as a percentage of revenue between 43% to 47%. Adjusted EBITDA margin between 20% to 25% and adjusted net income margin between 8% to 12%. We are currently executing efficiency and process automation initiatives and anticipate realizing their full annualized benefits after 2022. In addition, we believe that in a 2022 steady state environment with credit normalization and realization of all of our efficiency initiatives, we would achieve adjusted net income at least in line with our 2021 results, assuming conservative origination growth. Importantly, we expect adjusted net income to ramp up throughout the year as we realize the benefits of tighter underwriting parameters, origination volumes re-accelerating following tax season refund seasonality in the first quarter, and operating efficiency initiatives that are underway and will continue through 2022. More tactically, net income will be impacted by elevated charge-offs in the first half of the year related to late 2021 vintages. As those loans run off, we expect lower net charge-offs beginning in the second quarter, driven by higher growth in lower risk customer segments with normalized credit performance. As a result, we believe the first quarter will be our weakest of the year, with profitability muted. We anticipate adjusted net income margin for the quarter to be approximately break even. Looking to 2023 and beyond, we remain confident in the trajectory and sustainability of our earnings growth in light of several powerful tailwinds. First, we expect accelerating revenue realization related to strong growth in originations in 2022. Second, we anticipate our net income will benefit from a full year of $15 million after-tax operating cost efficiency savings. Third, credit trends are continuing to improve, reflecting a more normalized macroeconomic backdrop, which we believe we will benefit from as our underwriting and targeting initiatives increasingly take hold. In addition, we believe our balance sheet is well-positioned to weather market disruptions with multiyear committed lines and ample capacity. We are increasingly focused on exploring off-balance sheet strategies that are more capital efficient and increase our borrowing and leverage capacity. We are very excited about this initiative since we would expect to generate the same financial returns with similar economic risks while simultaneously lowering the amount of loans held on our balance sheet and increasing our capacity to borrow to generate higher growth. With that, we would now like to turn the call over to the operator for Q&A. Operator? Thank you. We will now be conducting a question-and-answer session. If you would like to ask a question, please press star one on your telephone keypad. A confirmation tone will indicate your line is in the question queue. You may press star two if you would like to remove your question from the queue. For participants using speaker equipment, it may be necessary to pick up your handset before pressing the star keys. First question comes from David Scharf with JMP Securities. Hi. Yeah, good afternoon, and thanks for taking my questions. I guess, Todd, you haven't necessarily gone anywhere all these years, but welcome aboard anyway, to the first earnings call. Thank you. Thank you. Hey, you know, maybe one kind of macro question and then a follow-up. You know, as we think about consumer demand and credit performance, I mean, obviously, you know, the topic of credit normalization has been front and center, you know, for several quarters now among consumer lenders, with the eventual dissipation of all the stimulus and so forth. I'm wondering, are you seeing any incremental changes in consumer behavior, either on the demand side or on the credit performance side as it relates to, you know, the emergence of, you know, steep inflation? And, you know, are those factored into kind of your underwriting models going forward? 'Cause obviously it's been 15 years since we've seen really any inflation, and four decades since we've seen it at these levels. Yeah. That's a great question, and one that, you know, has over the last couple of years through the pandemic, you know, the answer's been changing. I think we're starting to get some certainty. I think with, you know, with the burn-off of some of the federal stimulus, we're getting to a more normalized environment, which looks more like 2019. I can assure you that there is demand. The demand is back. We are, you know, working through it. You know, as the CEO, the way I think about this is that's a perfect time to look at credit, right? When things are going well and the demand is there, I'm thinking about credit. Where can we optimize credit? That's why the second half of last year, we optimized our credit model to be able to better target borrowers and better segment them, and then also, like, stay away from, you know, what we deemed more high-risk customers. Listen, OppFi is a place where we want people to be successful with our product. We want people that are going to improve their financial health. We report all the payments to the bureaus, and we get rewarded with our. You know, we have an 85 NPS score, and the way we get rewarded is when customers are successful in our system. Delinquency is front and center and something that, you know, is not gonna, you know, we're not gonna allow it to happen, and we're gonna, you know, get to the bottom of it when we're growing. It's always top of mind for us. Got it. That's a great segue just to my follow-up. Which I wanted to make sure I sort of understood correctly the commentary about maybe those late 2021 vintages, because, you know, you had two consecutive quarters of record origination volumes, but combined with what seems like, maybe some, you know, credit underperformance. Yeah. Relative to plan. Were these channel related or FICO band? A little more color maybe on who was targeted. Great. It's a great question. You know, I'll just be straightforward. The changes were made at the end of last year. Obviously, you know, they flow through in the first quarter. I'll tell you this. We have seen an increase in neobanks. Neobanks are Chime and some of these new age digital bank customers that are coming through. What we did in a combination of channel and in some the style of bank that customers are using, you know, a more significant percentage of that population. We tested into some things, and frankly, we had mixed results, right? What we decided was that, you know, those customers were probably not the right fit for us for the long term, and they weren't going to be successful in our system, which is really to build financial health. You know, we've since ceased it. You know, going forward, you know, we may revisit. I think, you know, right now, due to the increased demand and the strong growth and the ability to really we're the leader, and so, you know, we're able to continue to gain market share without necessarily having to test into riskier segments. Got it. Great. Thanks for the clarification. Thank you. Yeah. Next question, Chris Brendler with D.A. Davidson. Hi. Thanks. Good afternoon. Todd, also welcome aboard in terms of the public forum. I'm gonna start with credit just real quickly. Shiven, you mentioned I think delinquency trends looked encouraging. Can you give us a little more color there? Because I don't think we get delinquencies until we get the K. Yeah. We had, you know, as Todd mentioned, we had seen some normalization of credit and elevated credit losses in the first quarter. What we've seen recently and in the recent vintages based on our new underwriting model, we've seen growth with losses kind of coming down. We'll report more kind of those stats for Q2, but we see trends going forward into the second quarter, third quarter, fourth quarter and beyond, coming back to kind of converging back to pre-. Okay. Yeah. To add to that, you know, the early trends in loans are highly correlated, Yeah to the final, you know, vintage numbers. We have the most history. We've been doing this for, you know, 10 years, so our data is pretty robust. That's the great thing about on the forecasting side is when we see trend lines, we can identify where things are working pretty quickly. Yeah. Yeah. The benefit of having short-term paper too. Yep. Okay. A separate question is, the off-balance sheet securitization sounds interesting and compelling. You know, what are the challenges? Why haven't you done it earlier? Just the overall health of the credit markets, given what's happening in the world these days. Yeah, I mean, that ties into the vision and a little bit of why, you know, why now for me coming back. You know, there was thought that, like, we have a customer base and we wanna provide a suite of products. I think, you know, we're a little bit of a different approach is we are really good at servicing the installment product. Our belief is that our service and our brand resonates across all credit, and there are ways that sub-36% we can be originating, and earning, you know, service and fee-based income. We have an incredible brand to acquire customers. We also are great at product market fit and positioning. I think there's, you know, if you will, a turn down in the sub-36% space that we could position and, you know, and come. It's not people who necessarily qualify for the core installment, but people who kind of are falling down in the sub-36% space where we can start to service and do more of a fee and servicing-based model for the business. It also provides an incredible turn-up opportunity for our customers. It fits really well with our story. As far as our tech and infrastructure, keeping it as an installment loan is very favorable. Okay. Just the last one, the most exciting part of this release, I think this buyback and, you know, given where the stock is. Any reason why you wouldn't take advantage of that from a cash and liquidity perspective? It looks like you've got a pretty good sizable cash position to go after that buyback. Yes, that's the plan. Yeah. The plan is to aggressively defend our share price. I'm prepared, the Schwartz family, including myself, are prepared to defend it, and the company will be defending it. We believe it's disconnected from reality. There are others in the peer group that were, you know, came public via SPAC mergers that I'm not gonna say any specific names, but don't have the financial profile we have or the brand and the success we've had operationally I feel like we've been grouped into. We really want to differentiate ourselves at this point and get credit for the great work we're doing, the great team and the great brand we have. We're gonna be defending our shares, and I think it's a great investment. I agree. Super exciting with the stock down here. Thanks a lot, Todd. Next question, Brian Lombardi with Seaport. Hi. Thanks for taking the question. I feel like maybe I missed part of the, I guess, intro, but I guess welcome back to the management side. I wanna try and get maybe a little bit of a narrative as to, like, where we were, where we are, how long are you committing to be with us. You know, I think I'm kind of extrapolating, but I think I'm right when I could say it sounds like you had a management that wanted to grow maybe, got over its skis too much. You've got skin in the game. You wanna run this like a business. You're rolling off some bad investments, and you're gonna get that back on track. Like, am I wrong about that? If I'm right about that, how long will we expect? Yeah. First of all, I'll say this is an indefinite move, that I'm here to stay. I am energized and passionate about this from when I started this in 2012. You know, it's always been the mission of providing access in safe, simple terms and helping people. I'm more driven by that than ever. I'll tell you this, like, I was doing other things. You know, managing principal at Schwartz Capital. We have a couple different business lines under that. I had an honest conversation with first and foremost my wife and then my immediate family and the board, and everyone was incredibly supportive of me coming back into the business and saw my passion and excitement. It wasn't in a temporary way. It's indefinitely. I'm here actually in the Chicago office today. I had an unbelievable town hall with the team yesterday, and we're really connecting again, and I feel really good about the situation. Okay. Thank you. I guess maybe look, I'm looking at the situation. I think like as long as we don't like have a wheel come off, we're in good shape. I'm looking at, you know, the recent past hasn't been as seemingly troubling for a business like this as perhaps the near future, yet this business was challenged. What, what's the lesson that or the kind of reassurance that like, okay, we maybe made some bad loans as we leaned into some newer areas and we're gonna roll off those. In this environment of, you know, accelerating inflation, we feel confident because X. Yeah, I mean, that's what it was. It's something that we identified quickly, and we're no longer originating or facilitating on behalf of the bank partners. It's, you know, obviously, I can only say that, but I feel really good about the trend lines and the direction and also the volume, the new origination volume is coming, you know, coming back. And we're very happy with that to see, you know, a more normalized environment. Is that? Does that answer your question or? I think so. I mean, it's more of a feel type answer, but you see what I'm getting at is that, like, I feel like the challenges now are greater than they were in the near past, but the near past causes a ripple. You're saying it was a relationship-based segment of business that you've stopped. Yeah. Yeah. I mean, you know, we have a. You know, I'm very confident in our model, in our segmentation of customers. It was a choice, right? You know, we wanted. Our job, you know, and by default is to find credit access for people who are turned down by traditional banks. By definition, that is some of the neobank customer set. You know, we ran a test and also we tried some new channel partners, and we had mixed results, right? It didn't align with the mission of the company. The company's mission is clearly to provide credit access, but they have to be successful in our system. We report all payments to the bureaus, and we provide positive trade lines, and we allow people to be successful. Then, you know, we build a relationship with them and then try to graduate people, right, to lower cost of capital. If people are too high risk or they're not using our system effectively, we're probably not, you know, it's not the right customer company fit. You know, we determined that and decided to move on. Yeah. I think the discipline in the underwriting is really kind of what we're focusing on. We're not gonna be chasing after growth in segments that are not profitable. We're really looking at unit economics and profile and early-stage delinquencies to see what the lifetime loss trends are gonna be. We're committed to getting this charge-off ratio in line with historical levels. All right. Thank you. Your next question comes from Mike Grondahl with Northland Capital Markets. Hi, this is Mike on for Mike. Thanks for taking our question. Most of mine have been answered, but maybe if you can just talk a little bit on the newer products, like SalaryTap and what the kinda competitive environment looks like today as we sit here. Yeah. The newer products, you know, they're still, you know, in more of a test mode and product market fit mode. I think like, you know, there's two ways to go about our business, right? There's a way where we can take our customer and surround them with a bunch of products. I think there's a lot of risk and uncertainty from an investment standpoint and, you know, a financial performance standpoint. I think what I'm coming in and saying is like, "Hey, we have this unbelievable Net Promoter Score and customer relationship and an unbelievable tech platform that can service this installment loan." There is absolutely, with the market-based offer approach in the installment category in our current core business, an unbelievable opportunity. We're seeing a huge ROI there that we're gonna be focused on. It better services our customers by pricing them with terms, rates, and you know, better aligned with their goals as a consumer, and allows us to better compete on marketing partner channels and in direct mail. There's stuff we can be doing at sub-36% with the installment product. These are things that can be done in our system that don't require that heavy, essentially riskier investment that doesn't have the proven probability of ROI. I think, like, we can be you know, looking at that. I think there's some stuff that's interesting on small business that we're considering. It's installment-based stuff. I mean, there's a lot of opportunity with the installment-based. I think what we came to the realization is, like, we have these products, credit card and SalaryTap, and we'll continue to test to see if there's fits. I think there's a lot more we can be doing with our current installment product and a lot more potential and high ROI. ROI can look high, but it has to have high probability too of success, right? There's two factors there. You have to say, "Hey, that's high ROI, but what is the probability at the end of the tunnel that we actually achieve it? Got it. That's helpful. Just maybe on timing and size of, like, investment spend as we look at 2022, what are your kinda high-level thoughts on that? I just wanna make sure I understood the question. Is it, Investment spend. In terms of the timing of investment spend, what we're gonna be doing is really we've looked at our cost structure and we found a lot of efficiencies. We mentioned that in my script that we've identified about $15 million of cost efficiencies, which we will then reallocate a portion of that to focus on market-based offers and our core business. We're committed to driving margins up through the year and making calculated investments in our core product to be able to extrapolate those excess returns. Thanks. Thank you. I will now turn the floor over to management for closing remarks. First of all, thank you, and thank you for those questions. You know, listen, I'm back. I'm excited. It's been great to reconnect with the team. The principles that got us here are the same principles that are gonna get us to the next frontier. You know, I think right now the stock is completely, you know, it's an extreme value. I'm somebody who, you know, I'm obviously biased, but I think that there's a lot of value and maximization here that can happen. There's a lot of improvements we're making operationally. We're focused on credit. We're focused on the right things. I'm excited to be back and just, you know, excited for the journey. Thank you everybody, and more to come. This concludes today's teleconference. You may disconnect your lines at this time, and thank you for your participation.