But-you start with retail finance, we have been carried on observe sturdy origination Knew. Possibly just pursuing the upon one to. So can it be realistic to conclude considering everything that as you told me they, Jen, that step 1.4% to 1.6% NCO rates in your frame of mind getting ’23 so you can ’24, is-they reflects-and all additional swinging parts from the used automobile rates, once they was to account that you have depend on that the mentality which you outlined contemplates the achievability of your own amounts that you’ve discussed, if used car costs was to normalize to 2019 profile? I mean regarding book, just to getting really clear, i have you to ten% to help you 15% mediocre yearly disappear, hence would move because of the production, and additionally to the the presumptions around NCOs. And just recall, we supply qualitative items, and we have been very alert to new uncertainty about working environment, the elevated price beliefs one to we are originating facing. And eg We told you, we are pricing sufficiently for that and powering towards they in that NCO book, including installing qualitative and you can quantitative reserves to you to. Okay. It is […]