Understood. Maybe just adopting the up on you to. Very will it be practical to summarize according to precisely what as the your informed me they, Jen, that step one.4% to 1.6% NCO speed on your own outlook having ’23 so you can ’24, is-they shows-as well as additional moving pieces from the used automobile cost, whenever they were to accounts that you have trust the mindset which you laid out contemplates new achievability of your own quantity which you have discussed, if the utilized automobile pricing were to normalize back to 2019 profile? Read more about But-starting with retail funds, we have been proceeded observe robust origination …