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Operator: Good day. And welcome to the Upstart Third Quarter 2023 Earnings. Today s conference is being recorded.

United statesJason schmidtRedburn atlanticLance jessurunDave girouardSanjay dattaDavid scharfOil refinery stocks toSecurities ai forumHoldings incUs senate ai insight forumUpstart holdingsCall transcript novemberUpstart third quarterChief executive officerChief financial