So it’s very straightforward. We have got to have used car prices come down, which we are forecasting that they are going to happen in 2023 and we need rates to stabilize and come down. So that’s one of the most important things for the business. I think one of your follow-on questions is just liquidity. Our thought and thinking and John or Chuck, please jump in, is that especially as it relates to credit unions that, that liquidity and the balance sheets are going to get better in the second half of the year. For the very simple reason of, one, they have more deposits coming in as they have raised rates to attract those deposits. And secondly, just as their current loan, auto loan portfolio starts to roll off. I mean, John or Chuck, anything to add?
Chuck Jehl: That’s great.
John Flynn: Well, the one I would add to that, too, Keith, and one of the things you will find for these credit unions, because some of the stock with these low interest rate loans on longer term loans. Yeah, that makes them gunshided out there and do the seven-year, 10-year, 15-year mortgages, they would rather an NCUA is a real proponent of a shorter duration, average like two and a half years to three and a half years auto loan at a decent return. I think you are going to see credit unions particularly get back to their core business, which is helping those near-prime consumers, the under serve people get into an affordable car to get to work them back, while being able to generate a decent yield with a short duration loan.
Faiza Alwy: Understood. Thank you so much.
Chuck Jehl: Hey, Faiza. One thing I will follow up. As John mentioned, we have not had a formal actually price increase or I guess not many. When we put in the vehicle value discount, as John referenced in 2020 and then also again in 2022, that two and half — 2.5% vehicle value discount kind of equates to about a 10% to 11% effective premium increase and that’s still an effect that we put in April of last year.
Operator: Our next question comes from the line of Mike Grondahl with Northland Securities. Please proceed with your question.
Mike Grondahl: Hey, guys.
Chuck Jehl: Hi, Mike.
Mike Grondahl: Any date on the — Howdy. Any update on the two OEMs and any outlook on any future OEM customers?
Keith Jezek: Well, Mike, yeah, hey, this is Keith. Happy to take that. Just on the future OEM customers, let me just say that, really encouraged currently by the frequency of our engagement with what’s in the pipeline. And then based on relationships that I have had just in the past throughout my career, the introduction of two multiple new logos into that sales pipeline, I am further encouraged by just what the activity there is that a number of the prospects have passed through quantifiable stage gates and kind of the flow of — from prospect to close. Now to be clear, these are very, very large accounts. They are closing is unpredictable. But just to repeat very encouraged by the frequency of interaction and then the formal passing through of stage gates to get to the ultimate relationship.
Chuck Jehl: Yeah. And Mike, I will jump in on OEM one and two. Obviously, if you look at our key performance indicators in our supplemental deck, down year-over-year quarter, as well as full year. But we are encouraged that Q3 to Q4 that stabilized in that business is actually going up a bit. So we are good to see that momentum in OEM one and two.
Mike Grondahl: Got it and good to hear on the future. Did you guys disclose like what percent of your volume CNA was?
