Jeff Lick

could talk a little bit on the recent long haul that you referenced. What exactly you're doing there?

I'm just curious if any of these things you view affecting your business in some kind of nonlinear way?

is there any particular catalyst that you look for? Or will it just be the law of negative numbers getting less negative?

have you have any more kind of evolved or thoughts in terms of how you guys may address that market vis a vis organic versus acquisition?

if you look at the factors that would kind of drive the business going forward, we have vehicle depreciation now picking up

I was wondering if you could just elaborate as we get into 1Q last year was a fairly robust hurricane season

As you look at the combined ratios now, they're actually below kind of pre-COVID levels

wholesaled less as a percentage of your retail down to 44.6% from 47.4%. I know your marketplace were actually down

at least the depreciation environment has actually kind of reversed a little bit in Q1 so far. So I was wondering if you could just talk about

I was just curious if you can comment on any evolutions of that. I know your relationships or how you're doing business with some of the commercial rental providers has changed

when you get to the retailing of 2 million to 3 million cars, do you think the proportion of where you source will change much?

it appears this quarter, you did some experimenting or just some toggling with APR raising price, and I was wondering if you could talk about that

you've got about a 300 to 400 basis point higher APR, but you're only -- maybe costing you 60 bps of 61 day plus delinquency

something in the data this quarter that surprised you?

it still feels like you're very early in the adoption. And I could -- I'd be curious to know how you think about that

I was wondering if retail marketplace had any effect on the acceleration, where do you see the acceleration coming from?

if you take other gross profit and strip out gain on sale, which pretty much leaves you with VSCs and some GAAP, that on a per unit basis was $901