Through unit economic optimization and greater scale, these businesses will eventually see positive contribution profit, similar to how we delivered with SoFi Money. We continue to see strong growth in SoFi Money products, and importantly, high quality deposits and great levels of engagement. This has led to higher average account balances, even as average spend has increased. SoFi Money products have increased 54% year-over-year or by nearly 1.2 million to 3.4 million accounts. As important is the quality of these members with a median FICO of 744 for our direct deposit portfolio, and hence we see ample opportunity for cross-buy. In terms of engagement, over 50% of our newly funded SoFi Money accounts are setting up direct deposit by day 30.