In terms of our regulatory capital ratios, Our total capital ratio of 14.5% as of the end of the quarter remains comfortably above the regulatory minimum of 10.5%. Throughout the last 12 months, we have demonstrated the benefit of having a diversified high growth set of revenue streams, Multiple cost efficient sources of capital, a keen focus on underwriting high quality credit and a high degree of operating leverage as we scale the business. We expect those benefits to persist going forward even in light of the existing macro backdrop. For the full year of 2023, We now expect to deliver revenue of $2,045,000,000 to $2,065,000,000 above our prior guidance of $1,970,000,000 to $2,034,000,000 and full year 2023 EBITDA of $386,000,000 to $396,000,000 above our prior guidance of $333,000,000 to $343,000,000 For the full year, this represents 33% to 34% adjusted net revenue growth, 19% adjusted EBITDA Margins And a 48% incremental adjusted EBITDA margin, meaning we expect to drop 48% of all incremental revenue to the bottom line, despite growing at more than 30%. In terms of depreciation and amortization and stock based compensation expense, We expect mid to high single digit percentage increases in the 4th quarter relative to the 3rd quarter results.