...Given the environment we're in, I thought it's only appropriate that we start with a macro question. And, obviously, we've seen a lot of mixed data points on the state of US consumers and the state of US consumer credit markets. We have customer confidence that's falling off the cliff. We have the Fed Senior Loan Officer survey, which points to some tightening around credit supply and credit demand. Just curious to get your thoughts on how healthy the US consumers are? What are you hearing from lenders? And, in that context, maybe, also talk about what you're seeing for subprime consumers, specifically? Mark Begor ...
