Question-and-Answer SessionYes. So we'll jump right into it. I wanted to start with the economic environment and the health of the consumer, specifically OneMain's focus on nonprime consumer. How would you characterize the healthier borrower base?Douglas ShulmanChairman, President & CEO Yes. No. Let me give my standard caveat, which is that we lend to individuals, right? Not to the broad consumer. And we're seeing plenty of individuals who can pay their loan back with us. And we kind of look at income, we l ...