Marvin Fong

it grew quite a bit less than sales. And I just wanted your take on -- was that partly a function of just kind of bringing the operational efficiency up

how would you characterize just the pricing environment? I think one of -- at least one competitor is kind of out there discounting

the passing along the lower APR about a percentage point you referenced. In retrospect, did that have the desired impact that you anticipated

the OpEx, the operating expense per unit, I noticed ticked up sequentially, although it was down year-over-year

what's sort of underpinning those dynamics? So are your recon and logistics efficiencies sort of being offset by the macro environment

you referenced a lower sell- through rate in the quarter. Was that related to, I think, another player in the space in commented that there was more cash buyers

How should we think about your ability to continue to source, I think it's 80%, 85% of your retail units from consumers

last quarter you had sort of indicated you expected the retail average selling price to come in at $21,000. I think you guys came in about $1,000 above

I believe you mentioned in prepared remarks you issued 3 million plus in the fourth quarter. I believe that's up substantially

I think you announced a B2B initiative as well as a partnership with Casas Bahia. And I just wanted to see if you could help dimensionalize the potential impact

those purchases that are happening under BRL 79, just curious how is the behavior there? Are you seeing a lot of the purchases near the low end

you mentioned in the shareholder letter that there was one high ASP category that you saw a bit of softness on. I was just wondering if you could elaborate