Regional Management Corp.

And we've said that as our fixed rate funding, which is currently at 90% at the end of the quarter, but as our fixed rate funding from prior years matures, that you will see cost of funds go up. our pricing in terms of where we are, you know, you'll see seasonal fluctuations of that, but we did make some pricing changes and you're seeing that most of those are fully in the portfolio. What I would take into account, though, is, you know, we talked a lot about our higher margin, higher rate business. So I would take that into account and then you have to balance that with our barbell strategy where we do auto-secured loans, which have lower yields, but of course have lower net credit losses as well.

Yeah, and Kyle, I'll just add, as you think through the rest of the year beyond the second quarter, very much where yields go will depend on any adjustments we want to make to the underwriting side, depending on how macro conditions unfold. So a little hard to predict, you know, at this point in time, where you may tighten or not. So I think that's... that's kind of the best direction we can give you at this point.

Got it. And that's a good segue to my next question. I mean, just asking, I mean, you guys obviously have a broad-based portfolio. Just seeing if you, any signs of consumer behavior changes really since the end of February or mid-late February, whether it's on the demand side or, and or on the payment credit side, recognizing there's a lot of moving parts in the first quarter as well with tax refunds and everything, and so it might be hard to parcel out.