We are exposed to market risk primarily through interest rate fluctuations on our Debt Facility, a delayed draw senior secured loan facility with total commitments of $150.0 million maturing in December 2026. The Debt Facility bears interest at a base rate plus 5.00% per annum, where the base rate is the greater of SOFR for a three-month tenor plus 3.00% or a contractual floor. As of June 30, 2026 and December 31, 2025, we had $75.0 million outstanding under the Debt Facility at an effective interest rate of approximately 8.9% and 9.0%, respectively. See Note 10, Debt Facility, in the notes to our condensed consolidated financial statements for additional information. Because our variable-rate exposure is limited to the $75.0 million drawn on the facility, the impact of interest rate fluctuations on our results of operations is not significant. A hypothetical 200 basis point increase in SOFR would increase our remaining annual interest expense by approximately $0.7 million based on period-end balances, subject to the contractual base rate floor. We do not use derivative instruments to hedge interest rate risk. Over time, our Program Agreement with Coastal is expected to reduce our reliance on the Debt Facility as ExtraCash receivables transition to an off-balance-sheet structure, although we will become indirectly exposed to a federal funds rate–based variable rate retained by Coastal. We also earn interest on the Cash Collateral Account at a rate equal to the greater of the effective federal funds rate less 0.30% or zero, creating additional exposure to changes in the federal funds rate. Because the amended arrangement commenced on June 1, 2026, the impact of these exposures on our results of operations for the period was not significant. We do not have material exposure to foreign currency exchange rate or commodity price risk. ExtraCash receivables are short-duration assets with an average term of approximately 12 days, so their fair value is not materially sensitive to changes in market interest rates. However, macroeconomic conditions, including the interest rate environment, can affect our Members' ability to repay ExtraCash advances. Our allowance for credit losses was $40.9 million and $37.6 million as of June 30, 2026, and December 31, 2025, respectively. We manage credit risk through CashAI, our proprietary AI-powered underwriting engine, most recently upgraded with CashAI v6.0, deployed beginning late in the second quarter of 2026. See Note 5, Member Receivables, Net, in the notes to our condensed consolidated financial statements for additional discussion.