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Operator: Hello, and welcome to the Oportun Financial Third Quarter 2023 Earnings Conference Call and Webcast. [Operator Instructions] As a reminder, this conference is being recorded.

United statesMichael jordanRaul vazquezCarl pascarellaJonathan coblentzJohn hechtRick shaneNeil williamsOportun financial corpOportun financial corporationExchange commissionCompetitive industriesCall transcript novemberOportun financial third quarterConference callDorian hare