You will find and additionally integrated an effective delinquency picture across our loan profiles Thanks a lot, J.B., and you will good morning individuals. I will start towards the Slip six. The effectiveness of the financial performance again it one-fourth shows the disciplined performing method additionally the went on execution against all of our a lot of time-term proper concerns. Even after ongoing shifts regarding the larger industry, the strength of Ally’s automobile and you may digital financial platforms is mirrored within capability to protect and raise the business, build and you will broaden the income sources and you can create a solid green come back.