Charles D. Jehl: Yes. Hi, Vincent. Yes, I mean, we’ll start maybe with the pricing and the premiums. My last comment there to, Joe on the call it 537 per Cert unit economics, that’s after the price increase we took in the second quarter of about 5% and also the premium increase last year. So, that’s baked into our underwriting. And that’s a stressed unit economics. I think it’s important to note that we put roughly 27% stress on that, the new originations. And the profit share unstressed would be call it 800 plus per unit. And by the way, the new book, since we put the price increases in, call it second quarter of ’22, are performing better than those older vintages that were put on the books at the peak of the MUVVI or the Manheim. So, yes, the price is baked in.
Vincent Caintic: Okay. I appreciate it. Thank you. And then second question, so good to hear about eight new lenders this quarter. I think in the past, you’ve talked about ramping your sales force. I’m just wondering what we should be expecting in terms of sales productivity and that pipeline. So, should we be expecting more new lender growth? Thank you.
Keith A. Jezek: Yes, I’ll address that, and this is Keith. Certainly, I’d like to remind ourselves of the opportunity in front of us. There’s approximately 4,500 credit unions in the U.S, we serve 450, so I’ll call it 10%. And that means we have a massive runway and opportunity in front of us. And then even after the strict segmentation that we’ve accomplished that we’ve talked about on prior calls, around segmentation, around the asset sizes around LOSs, around their loan-to-share, around their need to serve the underserved and things like that. The pipeline is larger and stronger than it’s ever been before. And, and roughly two-thirds of those were in a really, really favorable LTS position. So, we feel really good about future prospects. Many of those that are in the pipeline right now and are bottom of the sales funnel. So, we feel good about the performance coming into Q4 and heading into 2024.
Vincent Caintic: Okay, great. Thanks very much.
Keith A. Jezek: Thank you.
Charles D. Jehl: Thank you.
Operator: [Operator Instructions] Our next question comes from the line of Lance Jessurun with BTIG. Please proceed.
Lance Jessurun: Hey guys, thanks for taking my question today. Just a super quick one on the UAW strike. Can you talk about impact to you guys, any outlook there? Any color you’ve heard in terms of industry and how that’s affecting, supply, etcetera?
Keith A. Jezek: Yes, happy to take that one. And this is Keith. Glad to see that that is behind us for sure. Really no impact for us, as you’ll recall, we’re roughly 85%, maybe even 87% use, so no direct impact. And also on the new side, interesting to note that the Detroit III had the largest day supply of any manufacturers out there. And in fact, their average day supply was 2x the day supply of most other vehicle manufacturers here in the U.S. So, they were positioned to handle the strike better than other manufacturers. And I think the swift resolution of that is not going to lead to much impacts at all. I hope that helps.
Lance Jessurun: Got it. That’s great. Thanks. And then talking about OEMs as well, obviously, you did a very good job of talking about the demand side on the credit union side and their cost of deposits. But, I’d be interested in hearing some of the color you’re hearing from OEMs in terms of their demand for your product, how talks are going there, given a tougher backdrop, that’d be great? Thanks.
