In terms of our regulatory capital ratios, our total capital ratio of 16.3% remains comfortably above the regulatory minimum of 10.5%. Lastly, we grew book value to $6,100,000,000 and tangible book value by $236,000,000 sequentially to $4,400,000,000 with tangible book value per share at $4 Now onto guidance. For the full year 2024, we now expect to deliver adjusted net revenue of $2,535,000,000 to $2,550,000,000 which is $85,000,000 higher than our prior guidance range of $2,425,000,000 to $2,465,000,000 This implies 22% to 23% annual growth versus 17% to 19% previously. This guidance assumes lending revenue will be at least 100% of 2023 levels, financial services will grow more than 80% year over year and tech platform will grow low to upper teens percent year over year. We now expect to deliver adjusted EBITDA of $640,000,000 to $645,000,000 above our prior guidance of $605,000,000 to $615,000,000 This represents a 25% adjusted EBITDA margin.