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Realized. Possibly only after the on you to. So will it be sensible to summarize predicated on everything that while the your explained they, Jen, that 1.4% to at least one.6% NCO rate on your own mentality having '23 to '24, is-they reflects-and all of the other swinging bits with the utilized car cost, when they would be to accounts that you have confidence the attitude you defined contemplates the newest achievability of your amounts which you have laid out, if the put vehicle pricing was to normalize back once again to 2019 membership?

I mean on publication, in order to be really obvious, i've one 10% to 15% average yearly disappear, and this manage disperse thanks to our very own returns, also towards our assumptions as much as NCOs. And just recall, i supply qualitative things, and you will we have been most conscious of brand new uncertainty throughout the working environment, the increased bargain opinions one our company is originating facing.