Alex Lau BJ Losch Live Oak Bancshares, Inc. (NYSE:LOB) Q3 2023 Earnings Conference Call October 26, 2023 9:00 AM ET Chip Mahan If you go two or three years ago the enhanced premiums we saw were from some of the enhancements coming out of the pandemic as it related to higher guarantees and those types of things which have burned off. So 105 is probably a good place to assume for the next several quarters. Great. Thanks for taking my questions. Company Participants Brandon King - Truist Securities Michael Per ...