Thank you so much, J.B., and you can hello group. I am going to begin towards Slip 6. The effectiveness of all of our financial efficiency once more so it one-fourth shows our very own controlled working strategy additionally the proceeded delivery facing all of our a lot of time-identity proper priorities. Even after lingering shifts in the wider market, the strength of Ally’s auto and you can digital lender networks is reflected inside our ability to manage and raise the market share, build and you may broaden all of our money supply and you will build a very good sustainable return.