Management repeatedly pointed to pressure on discretionary spending for the company’s core non-prime consumer. Karam cited elevated costs for essentials such as “groceries, rent, utilities, and energy,” which weighed on larger-ticket purchases. He also said the quarter featured a “stronger than normal tax refund season,” but that benefit was “partially offset by higher energy prices.”Chief Financial Officer Hal Khouri said net cash provided by operating activities was approximately $171 million , up from $1 ...