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      "text": "1. Adjusted Net Income is not a financial measure determined in accordance with GAAP... 2. Represents an amount that reflects originations based on the midpoint of guidance...",
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      "text": "Transitioned to Public Company, Growth Resumed: Origination and earnings growth resumed, Record originations in 2H:21, More than doubled auto approval rate",
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      "text": "Strong Business Fundamentals Despite Pandemic Onset: Added new bank origination partners, Tightly managed business, Provided credit to 280k consumers",
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      "text": "Focus on Our Core Product, Credit Normalizes: Todd Schwartz returns as CEO, Strong origination demand, Credit normalization, Iterating market-based offers, Refining underwriting model, Strengthening technology and AI",
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