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We specialize in purchasing and servicing retail automobile installment sale contracts (“automobile contracts” or “finance receivables”) originated by licensed motor vehicle dealers located throughout the United States (“dealers”) in the sale of new and used automobiles, light trucks and passenger vans. Through our purchases, we provide indirect financing to dealer customers for borrowers with limited credit histories or past credit problems (“sub-prime customers”). We serve as an alternative source of financing for dealers, allowing sales to customers who otherwise might not be able to obtain financing. In addition to purchasing installment purchase contracts directly from dealers, we have also (i) lent money directly to consumers for loans secured by vehicles, (ii) purchased immaterial amounts of vehicle purchase money loans from non-affiliated lenders, and (iii) acquired installment purchase contracts in four merger and acquisition transactions. In this report, we refer to all of such contracts and loans as "automobile contracts."</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84E_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_za7HMdpSe0sg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zQcsvDFRMHh7">Basis of Presentation</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our Unaudited Condensed Consolidated Financial Statements have been prepared in conformity with accounting principles generally accepted in the United States of America, with the instructions to Form 10-Q and with Article 10 of Regulation S-X of the Securities and Exchange Commission, and include all adjustments that are, in management’s opinion, necessary for a fair presentation of the results for the interim periods presented. All such adjustments are, in the opinion of management, of a normal recurring nature. Results for the nine-month period ended September 30, 2023 are not necessarily indicative of the operating results to be expected for the full year.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted from these Unaudited Condensed Consolidated Financial Statements. These Unaudited Condensed Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements and Notes to Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ended December 31, 2022.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_846_eus-gaap--UseOfEstimates_za27fErE0u12" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86B_zHpgzgbSjiob">Use of Estimates</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p id="xdx_844_ecustom--FinanceReceivablesMeasuredAtFairValuePolicyTextBlock_zG8Cgz13M3ih" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_86E_zznEt77mNWM">Finance Receivables Measured at Fair Value</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Effective January 1, 2018, we adopted the fair value method of accounting for finance receivables acquired on or after that date. For each finance receivable acquired after 2017, we consider the price paid on the purchase date as the fair value for such receivable. We estimate the cash to be received in the future with respect to such receivables, based on our experience with similar receivables acquired in the past. We then compute the internal rate of return that results in the present value of those estimated cash receipts being equal to the purchase date fair value. Thereafter, we recognize interest income on such receivables on a level yield basis using that internal rate of return as the applicable interest rate. Cash received with respect to such receivables is applied first against such interest income, and then to reduce the recorded value of the receivables.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We re-evaluate the fair value of such receivables at the close of each measurement period. If the reevaluation were to yield a value materially different from the recorded value, an adjustment would be required. </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Anticipated credit losses are included in our estimation of cash to be received with respect to receivables. Because such credit losses are included in our computation of the appropriate level yield, we do not thereafter make periodic provision for credit losses, as our best estimate of the lifetime aggregate of credit losses is included in that initial computation. Also, because we include anticipated credit losses in our computation of the level yield, the computed level yield is materially lower than the average contractual rate applicable to the receivables. Because our initial recorded value is fixed as the price we pay for the receivable, rather than as the contractual principal balance, we do not record acquisition fees as an amortizing asset related to the receivables, nor do we capitalize costs of acquiring the receivables. Rather we recognize the costs of acquisition as expenses in the period incurred.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84D_ecustom--OtherIncomePolicyTextBlock_z2SZ7kyKG4Ef" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_86F_z2iNDHGhBgoe">Other Income</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the primary components of Other Income for the three-month and nine-month periods ending September 30, 2023 and 2022:</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--OtherIncomeTableTextBlock_zBa1py8oSu67" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BD_zdVbiqrsbzia" style="display: none">Schedule of other income</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Origination and servicing fees from third party receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zYDszTgrAwO8" style="width: 11%; text-align: right" title="Other Operating Income">2,546</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zfR4iC7XJSLh" style="width: 11%; text-align: right" title="Other Operating Income">2,016</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zO4F6ZdNHfs6" style="width: 11%; text-align: right" title="Other Operating Income">7,207</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zAG0HJlWqOK7" style="width: 11%; text-align: right" title="Other Operating Income">4,268</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Direct mail revenues</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zROkzWtlzAz1" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zXDbslehG4C4" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zMA12yvrjUaa" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zYPEveKhqfwd" style="text-align: right" title="Other Operating Income">774</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zwCKGZHCsPR1" style="text-align: right" title="Other Operating Income">256</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zt1twdB2Abe3" style="text-align: right" title="Other Operating Income">209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_z918zfQBsd5d" style="text-align: right" title="Other Operating Income">780</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zppLxQeMPvEf" style="text-align: right" title="Other Operating Income">512</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zkZJr1JSa15e" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">16</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_ziq48scXBoK7" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">80</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zbhJif6Gu8j4" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">90</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zz4EDadnnEDl" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">305</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930_zI1250gkDPpg" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">2,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930_zdUqkKzNTC9d" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">2,305</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930_znxWIfDkPqBc" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">8,077</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930_zmoFLHXEflae" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">5,859</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zS0GszlOSaT5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p id="xdx_84F_eus-gaap--LesseeLeasesPolicyTextBlock_z5wBmtN8KIsk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86E_z0NPqq4KCGl8">Leases</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The Company has operating leases for corporate offices, equipment, software and hardware. The Company has entered into operating leases for the majority of its real estate locations, primarily office space. These leases are generally for periods of three to seven years with various renewal options. The depreciable life of leased assets is limited by the expected lease term. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the supplemental balance sheet information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_89A_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_zQkx5uYYgXR7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B1_znkZNbp2JHda" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20230930_zAztQamxthE5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20221231_zdjytGmipSD6" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--LeasesOperatingAbstract_iB_z3iBwCCYwTs2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Operating Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zZjGiBZPHPrd" style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">Operating lease right-of-use assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">29,575</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">28,397</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_ecustom--AccumulatedAmortizationRightofuseAssets_i01I_z9l4apdPrtX2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(25,673</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(22,613</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--OperatingLeaseRightOfUseAsset_i01I_zX6hRPoTsjZ5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,902</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,784</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--OperatingLeaseLiability_i01NI_di_zu2U0QFVeOG5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(4,222</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(6,234</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeasesAbstract_iB_zsdKniVlmnv4" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_zmo5Gnhaox1h" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,454</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01I_zjlvqfWfWiw3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,373</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,301</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--FinanceLeaseRightOfUseAsset_i01I_zikYcUprGy7b" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">81</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">106</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinanceLeaseLiability_iNI_di_zsLT45eaH7Cd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(85</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(177</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90A_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20230930_zOQHum4pUgd2" title="Weighted average discount rate operating lease">5.0</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20221231_zbEcRZgxyR3k" title="Weighted average discount rate operating lease">5.0</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20230930_zeHp2jI6UUHe" title="Weighted average discount rate finance lease">6.5</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20221231_zDW3jhjE29Hf" title="Weighted average discount rate finance lease">6.5</span></td><td style="text-align: left">%</td></tr> </table> <p id="xdx_8AF_zfHczJujAvPd" style="margin: 0"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">Maturities of lease liabilities were as follows: </p> <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_pn3n3_ziRStYE0DfL3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B4_zW3Id4MGbkH6" style="display: none">Schedule of maturities of lease liabilities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td>(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid">Year Ending September 30,</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 68%">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="width: 13%; text-align: right" title="2023">1,365</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="width: 13%; text-align: right" title="2023">12</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2024">1,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2024">37</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2025">737</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2025">20</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2026">455</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2026">11</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2027">452</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zbP3kI2MwFpb" style="text-align: right" title="2027">11</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">565</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueAfterYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">1</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Total undiscounted lease payments">5,361</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinanceLeaseLiabilityPaymentsDue_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="Total undiscounted lease payments">92</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less amounts representing interest</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_ecustom--OperatingLeasesFutureMinimumPaymentsDueInterest_iNI_pn3n3_di_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z8qjOmko1MN2" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(1,139</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zu4PCuyiytzg" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(7</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--OperatingLeaseLiability_iI_pn3n3_c20230930_z7JdcN174WWc" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">4,222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20230930_zYncgbV2gMD1" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">85</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AB_zuik7LMDxRx7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the lease expense included in General and administrative and Occupancy expense on our Unaudited Condensed Consolidated Statement of Operations:</p> <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--LeaseCostTableTextBlock_pn3n3_zqmabQPUsZD6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BD_ztL6fXM1YGN2" style="display: none">Schedule of lease information</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230701__20230930_zm1RPCQ6co0j" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20220701__20220930_z6gFLwTVOmj7" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20230101__20230930_zmTCxuZj6Rz3" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20220101__20220930_ztGkkzrFzUGj" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseCost_zFq9Y7mElzY9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Operating lease cost</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,767</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">4,181</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,288</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseCost_zYegsrTFoLm8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">257</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">144</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">813</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--LeaseCost_zRajHDRpD1Z2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,428</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,024</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,325</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,101</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AD_ztxa5eZu87Ea" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the supplemental cash flow information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zcAl0uHGJ1pf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B0_zXD1EuWXBc0j" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230701__20230930_zt2EOJi8qQUa" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20220701__20220930_zM0KzBR6emZ9" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20230101__20230930_zW0PwmlKd2Kf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20220101__20220930_zLB8hTphmBTe" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40C_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_z4WvXlyu6ebe" style="vertical-align: bottom"> <td style="font-weight: bold">Cash paid for amounts included in the measurement of lease liabilities:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--OperatingLeasePayments_i01_zpzWvzJn0Rcj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Operating cash flows from operating leases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,921</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">4,181</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,616</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinanceLeasePrincipalPayments_i01_zUohhHDYfQyb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">249</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">139</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">776</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--FinancingCashFlowsFromFinanceLeases_i01_zwXuRwaxCZ1f" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">36</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AB_zDehxcZvtyo6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p id="xdx_84C_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zgOUmGRD1VF7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_863_zgGDQoGif8f7">Stock-based Compensation</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We recognize compensation costs in the financial statements for all share-based payments based on the grant date fair value estimated in accordance with the provisions of ASC 718 “Stock Compensation”.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">For the three and nine months ended September 30, 2023, we recorded stock-based compensation costs in the amount of $<span id="xdx_903_eus-gaap--ShareBasedCompensation_c20230701__20230930_zGNBwlyD2Lo2">816,000 </span>and $<span id="xdx_90A_eus-gaap--ShareBasedCompensation_pn5n6_c20230101__20230930_ztFijlRxkfia">2.6</span> million, respectively. These stock-based compensation costs were $<span id="xdx_908_eus-gaap--ShareBasedCompensation_pn5n6_c20220701__20220930_zZkjBQjpaB4a">1.4 </span>million and $<span id="xdx_904_eus-gaap--ShareBasedCompensation_pn6n6_c20220101__20220930_zcJt9GpaqcQk">3</span>.0 million for the three and nine months ended September 30, 2022. As of September 30, 2023, unrecognized stock-based compensation costs to be recognized over future periods equaled $<span id="xdx_902_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn5n6_c20230930_zzyt0qE6wzH4">6.8 </span>million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_904_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20230101__20230930_z3zS35kSJjYi">2.0 </span>years.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following represents stock option activity for the nine months ended September 30, 2023:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_znr35ISUAgJi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Option activity)"> <tr style="vertical-align: bottom"> <td style="padding-left: 10pt"><span id="xdx_8B6_zQIc1r4KGjB6" style="display: none">Schedule of option activity</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Weighted</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Average</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Shares</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Remaining</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 46%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20230101__20230930_zjNGdtn8VbJe" style="width: 13%; text-align: right" title="Number of shares, options outstanding beginning of period">11,167</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20230101__20230930_zzyoEi9gJtL3" style="width: 13%; text-align: right" title="Weighted average exercise price, options outstanding beginning of period">5.21</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 21%; text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20230101__20230930_zdEwFu42xqXg" style="text-align: right" title="Number of shares, Granted">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20230101__20230930_zVi1O7OqPjxl" style="text-align: right" title="Weighted average exercise price, Granted">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20230101__20230930_zlZlkf1JK8Hk" style="text-align: right" title="Number of shares, Exercised">(2,832</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20230101__20230930_zPAqp1iUQlh8" style="text-align: right" title="Weighted average exercise price, Exercised">5.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; padding-bottom: 1pt">Forfeited</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_pn3n3_d0_c20230101__20230930_zyzPPBOfQ7Uf" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20230101__20230930_z6dkVK9Yzcv8" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted average exercise price, Forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20230101__20230930_z54f3WOIScQb" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Options outstanding end of period">8,335</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20230101__20230930_zQNAjqdLe7tl" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, Options outstanding end of period">5.08</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_908_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20230101__20230930_zVxmH34PReHg" title="Weighted average remaining contractual term, options outstanding">3.36</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930_zZYPp4JlmWV1" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, options exercisable">6,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20230930_z5YNWgzhZlA2" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, options exercisable">4.30</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_90A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20230101__20230930_ziFROhXL1i8d" title="Weighted average remaining contractual term, options exercisable">2.80</span> years</td></tr> </table> <p id="xdx_8AC_zu6dXx2N9cg5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the price distribution of stock options outstanding and exercisable for the years ended September 30, 2023 and December 31, 2022:</p> <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock_pn3n3_z1c1AtkWGd0d" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zRtS8zXmYMy6" style="display: none">Schedule of stock options outstanding and exercisable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Number of shares as of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Number of shares as of</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Range of exercise prices:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%">$2.00 - $2.99</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zeVco0LZdmd8" style="width: 11%; text-align: right" title="Number of shares, Outstanding">1,440</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zttxlRmDZnZf" style="width: 11%; text-align: right" title="Number of shares, Exercisable">1,105</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zE56mI1kKDW6" style="width: 11%; text-align: right" title="Number of shares, Outstanding">1,445</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zmJeQXd6ajXd" style="width: 11%; text-align: right" title="Number of shares, Exercisable">775</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$3.00 - $3.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zBq1IFNktDqb" style="text-align: right" title="Number of shares, Outstanding">2,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z2ZAYVvk8sni" style="text-align: right" title="Number of shares, Exercisable">2,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zvoYk9VyEPsd" style="text-align: right" title="Number of shares, Outstanding">3,785</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zd7H94tcdHMa" style="text-align: right" title="Number of shares, Exercisable">3,495</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$4.00 - $4.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zkVsPRLYwLFg" style="text-align: right" title="Number of shares, Outstanding">2,659</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zinacLSGluv3" style="text-align: right" title="Number of shares, Exercisable">2,034</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zlEN9YhqEe3i" style="text-align: right" title="Number of shares, Outstanding">2,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zucwy9cq9yUe" style="text-align: right" title="Number of shares, Exercisable">1,802</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$5.00 - $5.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_znq7VRM8DkRh" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_z99nAc4KHjU2" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zFm55KlFZQo3" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zLyhV8K0Q425" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$6.00 - $6.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_z4ecAKIjog53" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zlxOTx7I6j39" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zmusgG5165Ug" style="text-align: right" title="Number of shares, Outstanding">740</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zZhn9qBGE5re" style="text-align: right" title="Number of shares, Exercisable">740</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$7.00 - $7.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zXDzsfFVIOFc" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zexteaqiPJhk" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zJJkAb6Q6cli" style="text-align: right" title="Number of shares, Outstanding">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zdfEO7og329a" style="text-align: right" title="Number of shares, Exercisable">748</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">$10.00 - $10.99</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zvSwxsRkUEbh" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Outstanding">1,703</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_z3LNe7mDFdWk" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Exercisable">578</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zQmWZvLiSAR6" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Outstanding">1,710</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zL46RDmGNS1g" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Exercisable">210</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total shares</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930_zDQM1uSoTtH6" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Outstanding">8,335</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930_zgVSALD2I4T7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Exercisable">6,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231_zeqAnmAZxm43" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Outstanding">11,167</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231_zOxUexsPEaXg" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Exercisable">7,770</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zXvs9ix39GYi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">   </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">At September 30, 2023 the aggregate intrinsic value of options outstanding and exercisable was $<span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_pn5n6_c20230930_zBLDMnCeykoc" title="Intrinsic value options outstanding">35.3</span> million and $<span id="xdx_909_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_pn5n6_c20230930_zcAfehb8TQZh" title="Intrinsic value of options exercisable">30.5</span> million, respectively. There were <span id="xdx_901_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pn5n6_c20230101__20230930__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_z5PkpNbz0NSb" title="Options exercised">2.8</span> million options exercised for the nine months ended September 30, 2023 compared to <span id="xdx_90C_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pn6n6_c20220101__20220930__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_zC8IkzxBOHEb" title="Options exercised">3</span>.0 million for the comparable period in 2022. The total intrinsic value of options exercised was $<span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20230101__20230930_zY8sd8Et9EI4" title="Intrinsic value of options exercised">13.5</span> million and $<span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20220101__20220930_ziXDRhfOCNJi" title="Intrinsic value of options exercised">23.1</span> million for the nine-month periods ended September 30, 2023 and 2022. There were <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_pp0d_c20230930_zxyGpFwX5Dde" title="Shares available for grant">2,661,000</span> shares available for future stock option grants under existing plans as of September 30, 2023.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_847_eus-gaap--StockholdersEquityPolicyTextBlock_zxjY25JvyuUe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86A_zd9H0wxFupA4">Purchases of Company Stock</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The table below describes the purchase of our common stock for the nine-month ended September 30, 2023 and 2022:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_89C_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zvvII60unMza" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BA_zyZKEVCoMRKe" style="display: none">Schedule of purchases of company stock</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Open market purchases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zFAv6YIqQN31" style="width: 11%; text-align: right" title="Total stock purchases, shares">625,887</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsoeJtthnRq8" style="width: 11%; text-align: right" title="Total stock purchases, average price">11.20</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zCquiKJir3y4" style="width: 11%; text-align: right" title="Total stock purchases, shares">2,617,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z7jYzAMbrb8j" style="width: 11%; text-align: right" title="Total stock purchases, average price">11.20</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Shares redeemed upon net exercise of stock options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z6uibxwYDqfj" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">1,224,673</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zSMJpZ0k9BLh" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">13.56</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztS2ouSx2W3a" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">893,153</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zzmC7GpkDDx8" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">13.56</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total stock purchases</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztSNBkTS708l" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">1,850,560</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z9a0nWFTUuR5" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">11.80</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztAvP9Wf5J3b" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">3,510,701</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zscfTunSpw93" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">11.80</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AB_zMSD82iV97p7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_842_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zvTeHTCsZur7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86F_zRvR2JEChZ4j">Reclassifications</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on net income or shareholders’ equity.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84C_ecustom--FinancialCovenantsPolicyTextBlock_zmIA1n32ri1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86B_zxCgsgewzRtc">Financial Covenants</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Certain of our securitization transactions, our warehouse credit facilities and our residual interest financing contain various financial covenants requiring minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. As of September 30, 2023, we were in compliance with all such covenants. In addition, certain of our debt agreements other than our term securitizations contain cross-default provisions. Such cross-default provisions would allow the respective creditors to declare a default if an event of default occurred with respect to other indebtedness of ours, but only if such other event of default were to be accompanied by acceleration of such other indebtedness.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_846_ecustom--ProvisionForContingentLiabilitiesPolicyTextBlock_zSnOwaPacgi4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_862_zHOPQN1u6I54">Provision for Contingent Liabilities</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Our legal counsel has advised us on such matters where, based on information available at the time of this report, there is an indication that it is both probable that a liability has been incurred and the amount of the loss can be reasonably determined.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_842_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_zUWU37y8cMW2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zGXtgd4ppMMl">Adoption of New Accounting Standards</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">In March 2022, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update ("ASU") 2022-02, known as the Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures. ASU 2022-02 eliminates the accounting guidance for TDRs in ASC 310-40 on troubled debt restructurings for entities that have adopted the CECL model introduced by ASU 2016-13, Current Expected Credit Loss. ASU 2022-02 also requires that public business entities disclose current-period gross charge offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, Financial Instruments – Credit Losses – Measured at Amortized Cost. This guidance is effective for fiscal years beginning after December 15, 2022, and the adoption of this guidance did not have a material impact on the condensed consolidated financial statements.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84E_ecustom--DescriptionOfBusinessPolicyTextBlock_zEJi5KMT2WDl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_861_zVampvUMDXj6">Description of Business</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We were formed in California on March 8, 1991. We specialize in purchasing and servicing retail automobile installment sale contracts (“automobile contracts” or “finance receivables”) originated by licensed motor vehicle dealers located throughout the United States (“dealers”) in the sale of new and used automobiles, light trucks and passenger vans. Through our purchases, we provide indirect financing to dealer customers for borrowers with limited credit histories or past credit problems (“sub-prime customers”). We serve as an alternative source of financing for dealers, allowing sales to customers who otherwise might not be able to obtain financing. In addition to purchasing installment purchase contracts directly from dealers, we have also (i) lent money directly to consumers for loans secured by vehicles, (ii) purchased immaterial amounts of vehicle purchase money loans from non-affiliated lenders, and (iii) acquired installment purchase contracts in four merger and acquisition transactions. In this report, we refer to all of such contracts and loans as "automobile contracts."</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84E_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_za7HMdpSe0sg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zQcsvDFRMHh7">Basis of Presentation</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our Unaudited Condensed Consolidated Financial Statements have been prepared in conformity with accounting principles generally accepted in the United States of America, with the instructions to Form 10-Q and with Article 10 of Regulation S-X of the Securities and Exchange Commission, and include all adjustments that are, in management’s opinion, necessary for a fair presentation of the results for the interim periods presented. All such adjustments are, in the opinion of management, of a normal recurring nature. Results for the nine-month period ended September 30, 2023 are not necessarily indicative of the operating results to be expected for the full year.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted from these Unaudited Condensed Consolidated Financial Statements. These Unaudited Condensed Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements and Notes to Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ended December 31, 2022.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_846_eus-gaap--UseOfEstimates_za27fErE0u12" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86B_zHpgzgbSjiob">Use of Estimates</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p id="xdx_844_ecustom--FinanceReceivablesMeasuredAtFairValuePolicyTextBlock_zG8Cgz13M3ih" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_86E_zznEt77mNWM">Finance Receivables Measured at Fair Value</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Effective January 1, 2018, we adopted the fair value method of accounting for finance receivables acquired on or after that date. For each finance receivable acquired after 2017, we consider the price paid on the purchase date as the fair value for such receivable. We estimate the cash to be received in the future with respect to such receivables, based on our experience with similar receivables acquired in the past. We then compute the internal rate of return that results in the present value of those estimated cash receipts being equal to the purchase date fair value. Thereafter, we recognize interest income on such receivables on a level yield basis using that internal rate of return as the applicable interest rate. Cash received with respect to such receivables is applied first against such interest income, and then to reduce the recorded value of the receivables.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We re-evaluate the fair value of such receivables at the close of each measurement period. If the reevaluation were to yield a value materially different from the recorded value, an adjustment would be required. </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Anticipated credit losses are included in our estimation of cash to be received with respect to receivables. Because such credit losses are included in our computation of the appropriate level yield, we do not thereafter make periodic provision for credit losses, as our best estimate of the lifetime aggregate of credit losses is included in that initial computation. Also, because we include anticipated credit losses in our computation of the level yield, the computed level yield is materially lower than the average contractual rate applicable to the receivables. Because our initial recorded value is fixed as the price we pay for the receivable, rather than as the contractual principal balance, we do not record acquisition fees as an amortizing asset related to the receivables, nor do we capitalize costs of acquiring the receivables. Rather we recognize the costs of acquisition as expenses in the period incurred.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84D_ecustom--OtherIncomePolicyTextBlock_z2SZ7kyKG4Ef" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_86F_z2iNDHGhBgoe">Other Income</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the primary components of Other Income for the three-month and nine-month periods ending September 30, 2023 and 2022:</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--OtherIncomeTableTextBlock_zBa1py8oSu67" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BD_zdVbiqrsbzia" style="display: none">Schedule of other income</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Origination and servicing fees from third party receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zYDszTgrAwO8" style="width: 11%; text-align: right" title="Other Operating Income">2,546</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zfR4iC7XJSLh" style="width: 11%; text-align: right" title="Other Operating Income">2,016</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zO4F6ZdNHfs6" style="width: 11%; text-align: right" title="Other Operating Income">7,207</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zAG0HJlWqOK7" style="width: 11%; text-align: right" title="Other Operating Income">4,268</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Direct mail revenues</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zROkzWtlzAz1" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zXDbslehG4C4" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zMA12yvrjUaa" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zYPEveKhqfwd" style="text-align: right" title="Other Operating Income">774</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zwCKGZHCsPR1" style="text-align: right" title="Other Operating Income">256</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zt1twdB2Abe3" style="text-align: right" title="Other Operating Income">209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_z918zfQBsd5d" style="text-align: right" title="Other Operating Income">780</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zppLxQeMPvEf" style="text-align: right" title="Other Operating Income">512</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zkZJr1JSa15e" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">16</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_ziq48scXBoK7" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">80</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zbhJif6Gu8j4" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">90</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zz4EDadnnEDl" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">305</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930_zI1250gkDPpg" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">2,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930_zdUqkKzNTC9d" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">2,305</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930_znxWIfDkPqBc" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">8,077</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930_zmoFLHXEflae" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">5,859</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zS0GszlOSaT5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--OtherIncomeTableTextBlock_zBa1py8oSu67" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BD_zdVbiqrsbzia" style="display: none">Schedule of other income</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Origination and servicing fees from third party receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zYDszTgrAwO8" style="width: 11%; text-align: right" title="Other Operating Income">2,546</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zfR4iC7XJSLh" style="width: 11%; text-align: right" title="Other Operating Income">2,016</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zO4F6ZdNHfs6" style="width: 11%; text-align: right" title="Other Operating Income">7,207</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zAG0HJlWqOK7" style="width: 11%; text-align: right" title="Other Operating Income">4,268</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Direct mail revenues</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zROkzWtlzAz1" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zXDbslehG4C4" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zMA12yvrjUaa" style="text-align: right" title="Other Operating Income">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_zYPEveKhqfwd" style="text-align: right" title="Other Operating Income">774</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zwCKGZHCsPR1" style="text-align: right" title="Other Operating Income">256</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zt1twdB2Abe3" style="text-align: right" title="Other Operating Income">209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_z918zfQBsd5d" style="text-align: right" title="Other Operating Income">780</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zppLxQeMPvEf" style="text-align: right" title="Other Operating Income">512</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zkZJr1JSa15e" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">16</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_ziq48scXBoK7" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">80</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zbhJif6Gu8j4" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">90</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zz4EDadnnEDl" style="border-bottom: Black 1pt solid; text-align: right" title="Other Operating Income">305</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--OtherOperatingIncome_pn3n3_c20230701__20230930_zI1250gkDPpg" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">2,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20220701__20220930_zdUqkKzNTC9d" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">2,305</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230930_znxWIfDkPqBc" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">8,077</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20220930_zmoFLHXEflae" style="border-bottom: Black 2.5pt double; text-align: right" title="Other Operating Income">5,859</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2546000 2016000 7207000 4268000 0 0 0 774000 256000 209000 780000 512000 16000 80000 90000 305000 2818000 2305000 8077000 5859000 <p id="xdx_84F_eus-gaap--LesseeLeasesPolicyTextBlock_z5wBmtN8KIsk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86E_z0NPqq4KCGl8">Leases</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The Company has operating leases for corporate offices, equipment, software and hardware. The Company has entered into operating leases for the majority of its real estate locations, primarily office space. These leases are generally for periods of three to seven years with various renewal options. The depreciable life of leased assets is limited by the expected lease term. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the supplemental balance sheet information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_89A_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_zQkx5uYYgXR7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B1_znkZNbp2JHda" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20230930_zAztQamxthE5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20221231_zdjytGmipSD6" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--LeasesOperatingAbstract_iB_z3iBwCCYwTs2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Operating Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zZjGiBZPHPrd" style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">Operating lease right-of-use assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">29,575</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">28,397</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_ecustom--AccumulatedAmortizationRightofuseAssets_i01I_z9l4apdPrtX2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(25,673</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(22,613</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--OperatingLeaseRightOfUseAsset_i01I_zX6hRPoTsjZ5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,902</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,784</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--OperatingLeaseLiability_i01NI_di_zu2U0QFVeOG5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(4,222</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(6,234</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeasesAbstract_iB_zsdKniVlmnv4" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_zmo5Gnhaox1h" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,454</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01I_zjlvqfWfWiw3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,373</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,301</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--FinanceLeaseRightOfUseAsset_i01I_zikYcUprGy7b" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">81</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">106</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinanceLeaseLiability_iNI_di_zsLT45eaH7Cd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(85</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(177</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90A_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20230930_zOQHum4pUgd2" title="Weighted average discount rate operating lease">5.0</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20221231_zbEcRZgxyR3k" title="Weighted average discount rate operating lease">5.0</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20230930_zeHp2jI6UUHe" title="Weighted average discount rate finance lease">6.5</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20221231_zDW3jhjE29Hf" title="Weighted average discount rate finance lease">6.5</span></td><td style="text-align: left">%</td></tr> </table> <p id="xdx_8AF_zfHczJujAvPd" style="margin: 0"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">Maturities of lease liabilities were as follows: </p> <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_pn3n3_ziRStYE0DfL3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B4_zW3Id4MGbkH6" style="display: none">Schedule of maturities of lease liabilities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td>(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid">Year Ending September 30,</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 68%">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="width: 13%; text-align: right" title="2023">1,365</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="width: 13%; text-align: right" title="2023">12</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2024">1,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2024">37</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2025">737</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2025">20</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2026">455</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2026">11</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2027">452</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zbP3kI2MwFpb" style="text-align: right" title="2027">11</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">565</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueAfterYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">1</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Total undiscounted lease payments">5,361</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinanceLeaseLiabilityPaymentsDue_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="Total undiscounted lease payments">92</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less amounts representing interest</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_ecustom--OperatingLeasesFutureMinimumPaymentsDueInterest_iNI_pn3n3_di_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z8qjOmko1MN2" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(1,139</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zu4PCuyiytzg" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(7</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--OperatingLeaseLiability_iI_pn3n3_c20230930_z7JdcN174WWc" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">4,222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20230930_zYncgbV2gMD1" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">85</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AB_zuik7LMDxRx7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the lease expense included in General and administrative and Occupancy expense on our Unaudited Condensed Consolidated Statement of Operations:</p> <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--LeaseCostTableTextBlock_pn3n3_zqmabQPUsZD6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BD_ztL6fXM1YGN2" style="display: none">Schedule of lease information</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230701__20230930_zm1RPCQ6co0j" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20220701__20220930_z6gFLwTVOmj7" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20230101__20230930_zmTCxuZj6Rz3" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20220101__20220930_ztGkkzrFzUGj" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseCost_zFq9Y7mElzY9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Operating lease cost</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,767</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">4,181</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,288</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseCost_zYegsrTFoLm8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">257</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">144</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">813</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--LeaseCost_zRajHDRpD1Z2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,428</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,024</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,325</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,101</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AD_ztxa5eZu87Ea" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the supplemental cash flow information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zcAl0uHGJ1pf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B0_zXD1EuWXBc0j" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230701__20230930_zt2EOJi8qQUa" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20220701__20220930_zM0KzBR6emZ9" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20230101__20230930_zW0PwmlKd2Kf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20220101__20220930_zLB8hTphmBTe" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40C_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_z4WvXlyu6ebe" style="vertical-align: bottom"> <td style="font-weight: bold">Cash paid for amounts included in the measurement of lease liabilities:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--OperatingLeasePayments_i01_zpzWvzJn0Rcj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Operating cash flows from operating leases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,921</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">4,181</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,616</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinanceLeasePrincipalPayments_i01_zUohhHDYfQyb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">249</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">139</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">776</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--FinancingCashFlowsFromFinanceLeases_i01_zwXuRwaxCZ1f" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">36</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AB_zDehxcZvtyo6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_89A_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_zQkx5uYYgXR7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B1_znkZNbp2JHda" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20230930_zAztQamxthE5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20221231_zdjytGmipSD6" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--LeasesOperatingAbstract_iB_z3iBwCCYwTs2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Operating Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zZjGiBZPHPrd" style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">Operating lease right-of-use assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">29,575</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">28,397</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_ecustom--AccumulatedAmortizationRightofuseAssets_i01I_z9l4apdPrtX2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(25,673</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(22,613</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--OperatingLeaseRightOfUseAsset_i01I_zX6hRPoTsjZ5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,902</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,784</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--OperatingLeaseLiability_i01NI_di_zu2U0QFVeOG5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(4,222</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(6,234</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeasesAbstract_iB_zsdKniVlmnv4" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_zmo5Gnhaox1h" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,454</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01I_zjlvqfWfWiw3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,373</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,301</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--FinanceLeaseRightOfUseAsset_i01I_zikYcUprGy7b" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">81</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">106</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinanceLeaseLiability_iNI_di_zsLT45eaH7Cd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(85</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(177</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90A_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20230930_zOQHum4pUgd2" title="Weighted average discount rate operating lease">5.0</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20221231_zbEcRZgxyR3k" title="Weighted average discount rate operating lease">5.0</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20230930_zeHp2jI6UUHe" title="Weighted average discount rate finance lease">6.5</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_c20221231_zDW3jhjE29Hf" title="Weighted average discount rate finance lease">6.5</span></td><td style="text-align: left">%</td></tr> </table> 29575000 28397000 -25673000 -22613000 3902000 5784000 4222000 6234000 3454000 3407000 -3373000 -3301000 81000 106000 85000 177000 0.050 0.050 0.065 0.065 <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_pn3n3_ziRStYE0DfL3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B4_zW3Id4MGbkH6" style="display: none">Schedule of maturities of lease liabilities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td>(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid">Year Ending September 30,</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 68%">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="width: 13%; text-align: right" title="2023">1,365</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="width: 13%; text-align: right" title="2023">12</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2024">1,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2024">37</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2025">737</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2025">20</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2026">455</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="2026">11</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="2027">452</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zbP3kI2MwFpb" style="text-align: right" title="2027">11</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">565</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDueAfterYearFive_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">1</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Total undiscounted lease payments">5,361</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinanceLeaseLiabilityPaymentsDue_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_pn3n3" style="text-align: right" title="Total undiscounted lease payments">92</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less amounts representing interest</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_ecustom--OperatingLeasesFutureMinimumPaymentsDueInterest_iNI_pn3n3_di_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z8qjOmko1MN2" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(1,139</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20230930__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zu4PCuyiytzg" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(7</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--OperatingLeaseLiability_iI_pn3n3_c20230930_z7JdcN174WWc" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">4,222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20230930_zYncgbV2gMD1" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">85</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1365000 12000 1787000 37000 737000 20000 455000 11000 452000 11000 565000 1000 5361000 92000 1139000 7000 4222000 85000 <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--LeaseCostTableTextBlock_pn3n3_zqmabQPUsZD6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BD_ztL6fXM1YGN2" style="display: none">Schedule of lease information</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230701__20230930_zm1RPCQ6co0j" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20220701__20220930_z6gFLwTVOmj7" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20230101__20230930_zmTCxuZj6Rz3" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20220101__20220930_ztGkkzrFzUGj" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseCost_zFq9Y7mElzY9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Operating lease cost</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,767</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">4,181</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,288</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseCost_zYegsrTFoLm8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">257</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">144</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">813</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--LeaseCost_zRajHDRpD1Z2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,428</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,024</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,325</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,101</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1410000 1767000 4181000 5288000 18000 257000 144000 813000 1428000 2024000 4325000 6101000 <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zcAl0uHGJ1pf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B0_zXD1EuWXBc0j" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230701__20230930_zt2EOJi8qQUa" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20220701__20220930_zM0KzBR6emZ9" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20230101__20230930_zW0PwmlKd2Kf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20220101__20220930_zLB8hTphmBTe" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40C_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_z4WvXlyu6ebe" style="vertical-align: bottom"> <td style="font-weight: bold">Cash paid for amounts included in the measurement of lease liabilities:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--OperatingLeasePayments_i01_zpzWvzJn0Rcj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Operating cash flows from operating leases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,921</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">4,181</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,616</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinanceLeasePrincipalPayments_i01_zUohhHDYfQyb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">249</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">139</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">776</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--FinancingCashFlowsFromFinanceLeases_i01_zwXuRwaxCZ1f" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">36</td><td style="text-align: left"> </td></tr> </table> 1410000 1921000 4181000 5616000 17000 249000 139000 776000 1000 8000 5000 36000 <p id="xdx_84C_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zgOUmGRD1VF7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_863_zgGDQoGif8f7">Stock-based Compensation</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We recognize compensation costs in the financial statements for all share-based payments based on the grant date fair value estimated in accordance with the provisions of ASC 718 “Stock Compensation”.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">For the three and nine months ended September 30, 2023, we recorded stock-based compensation costs in the amount of $<span id="xdx_903_eus-gaap--ShareBasedCompensation_c20230701__20230930_zGNBwlyD2Lo2">816,000 </span>and $<span id="xdx_90A_eus-gaap--ShareBasedCompensation_pn5n6_c20230101__20230930_ztFijlRxkfia">2.6</span> million, respectively. These stock-based compensation costs were $<span id="xdx_908_eus-gaap--ShareBasedCompensation_pn5n6_c20220701__20220930_zZkjBQjpaB4a">1.4 </span>million and $<span id="xdx_904_eus-gaap--ShareBasedCompensation_pn6n6_c20220101__20220930_zcJt9GpaqcQk">3</span>.0 million for the three and nine months ended September 30, 2022. As of September 30, 2023, unrecognized stock-based compensation costs to be recognized over future periods equaled $<span id="xdx_902_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn5n6_c20230930_zzyt0qE6wzH4">6.8 </span>million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_904_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20230101__20230930_z3zS35kSJjYi">2.0 </span>years.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following represents stock option activity for the nine months ended September 30, 2023:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_znr35ISUAgJi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Option activity)"> <tr style="vertical-align: bottom"> <td style="padding-left: 10pt"><span id="xdx_8B6_zQIc1r4KGjB6" style="display: none">Schedule of option activity</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Weighted</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Average</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Shares</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Remaining</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 46%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20230101__20230930_zjNGdtn8VbJe" style="width: 13%; text-align: right" title="Number of shares, options outstanding beginning of period">11,167</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20230101__20230930_zzyoEi9gJtL3" style="width: 13%; text-align: right" title="Weighted average exercise price, options outstanding beginning of period">5.21</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 21%; text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20230101__20230930_zdEwFu42xqXg" style="text-align: right" title="Number of shares, Granted">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20230101__20230930_zVi1O7OqPjxl" style="text-align: right" title="Weighted average exercise price, Granted">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20230101__20230930_zlZlkf1JK8Hk" style="text-align: right" title="Number of shares, Exercised">(2,832</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20230101__20230930_zPAqp1iUQlh8" style="text-align: right" title="Weighted average exercise price, Exercised">5.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; padding-bottom: 1pt">Forfeited</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_pn3n3_d0_c20230101__20230930_zyzPPBOfQ7Uf" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20230101__20230930_z6dkVK9Yzcv8" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted average exercise price, Forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20230101__20230930_z54f3WOIScQb" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Options outstanding end of period">8,335</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20230101__20230930_zQNAjqdLe7tl" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, Options outstanding end of period">5.08</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_908_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20230101__20230930_zVxmH34PReHg" title="Weighted average remaining contractual term, options outstanding">3.36</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930_zZYPp4JlmWV1" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, options exercisable">6,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20230930_z5YNWgzhZlA2" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, options exercisable">4.30</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_90A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20230101__20230930_ziFROhXL1i8d" title="Weighted average remaining contractual term, options exercisable">2.80</span> years</td></tr> </table> <p id="xdx_8AC_zu6dXx2N9cg5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the price distribution of stock options outstanding and exercisable for the years ended September 30, 2023 and December 31, 2022:</p> <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock_pn3n3_z1c1AtkWGd0d" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zRtS8zXmYMy6" style="display: none">Schedule of stock options outstanding and exercisable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Number of shares as of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Number of shares as of</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Range of exercise prices:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%">$2.00 - $2.99</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zeVco0LZdmd8" style="width: 11%; text-align: right" title="Number of shares, Outstanding">1,440</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zttxlRmDZnZf" style="width: 11%; text-align: right" title="Number of shares, Exercisable">1,105</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zE56mI1kKDW6" style="width: 11%; text-align: right" title="Number of shares, Outstanding">1,445</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zmJeQXd6ajXd" style="width: 11%; text-align: right" title="Number of shares, Exercisable">775</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$3.00 - $3.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zBq1IFNktDqb" style="text-align: right" title="Number of shares, Outstanding">2,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z2ZAYVvk8sni" style="text-align: right" title="Number of shares, Exercisable">2,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zvoYk9VyEPsd" style="text-align: right" title="Number of shares, Outstanding">3,785</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zd7H94tcdHMa" style="text-align: right" title="Number of shares, Exercisable">3,495</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$4.00 - $4.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zkVsPRLYwLFg" style="text-align: right" title="Number of shares, Outstanding">2,659</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zinacLSGluv3" style="text-align: right" title="Number of shares, Exercisable">2,034</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zlEN9YhqEe3i" style="text-align: right" title="Number of shares, Outstanding">2,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zucwy9cq9yUe" style="text-align: right" title="Number of shares, Exercisable">1,802</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$5.00 - $5.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_znq7VRM8DkRh" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_z99nAc4KHjU2" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zFm55KlFZQo3" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zLyhV8K0Q425" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$6.00 - $6.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_z4ecAKIjog53" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zlxOTx7I6j39" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zmusgG5165Ug" style="text-align: right" title="Number of shares, Outstanding">740</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zZhn9qBGE5re" style="text-align: right" title="Number of shares, Exercisable">740</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$7.00 - $7.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zXDzsfFVIOFc" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zexteaqiPJhk" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zJJkAb6Q6cli" style="text-align: right" title="Number of shares, Outstanding">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zdfEO7og329a" style="text-align: right" title="Number of shares, Exercisable">748</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">$10.00 - $10.99</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zvSwxsRkUEbh" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Outstanding">1,703</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_z3LNe7mDFdWk" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Exercisable">578</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zQmWZvLiSAR6" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Outstanding">1,710</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zL46RDmGNS1g" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Exercisable">210</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total shares</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930_zDQM1uSoTtH6" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Outstanding">8,335</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930_zgVSALD2I4T7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Exercisable">6,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231_zeqAnmAZxm43" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Outstanding">11,167</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231_zOxUexsPEaXg" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Exercisable">7,770</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zXvs9ix39GYi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">   </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">At September 30, 2023 the aggregate intrinsic value of options outstanding and exercisable was $<span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_pn5n6_c20230930_zBLDMnCeykoc" title="Intrinsic value options outstanding">35.3</span> million and $<span id="xdx_909_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_pn5n6_c20230930_zcAfehb8TQZh" title="Intrinsic value of options exercisable">30.5</span> million, respectively. There were <span id="xdx_901_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pn5n6_c20230101__20230930__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_z5PkpNbz0NSb" title="Options exercised">2.8</span> million options exercised for the nine months ended September 30, 2023 compared to <span id="xdx_90C_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pn6n6_c20220101__20220930__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_zC8IkzxBOHEb" title="Options exercised">3</span>.0 million for the comparable period in 2022. The total intrinsic value of options exercised was $<span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20230101__20230930_zY8sd8Et9EI4" title="Intrinsic value of options exercised">13.5</span> million and $<span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20220101__20220930_ziXDRhfOCNJi" title="Intrinsic value of options exercised">23.1</span> million for the nine-month periods ended September 30, 2023 and 2022. There were <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_pp0d_c20230930_zxyGpFwX5Dde" title="Shares available for grant">2,661,000</span> shares available for future stock option grants under existing plans as of September 30, 2023.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> 816000 2600000 1400000 3000000 6800000 P2Y <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_znr35ISUAgJi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Option activity)"> <tr style="vertical-align: bottom"> <td style="padding-left: 10pt"><span id="xdx_8B6_zQIc1r4KGjB6" style="display: none">Schedule of option activity</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Weighted</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Average</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Shares</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Remaining</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 46%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20230101__20230930_zjNGdtn8VbJe" style="width: 13%; text-align: right" title="Number of shares, options outstanding beginning of period">11,167</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20230101__20230930_zzyoEi9gJtL3" style="width: 13%; text-align: right" title="Weighted average exercise price, options outstanding beginning of period">5.21</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 21%; text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20230101__20230930_zdEwFu42xqXg" style="text-align: right" title="Number of shares, Granted">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20230101__20230930_zVi1O7OqPjxl" style="text-align: right" title="Weighted average exercise price, Granted">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20230101__20230930_zlZlkf1JK8Hk" style="text-align: right" title="Number of shares, Exercised">(2,832</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20230101__20230930_zPAqp1iUQlh8" style="text-align: right" title="Weighted average exercise price, Exercised">5.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; padding-bottom: 1pt">Forfeited</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_pn3n3_d0_c20230101__20230930_zyzPPBOfQ7Uf" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20230101__20230930_z6dkVK9Yzcv8" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted average exercise price, Forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20230101__20230930_z54f3WOIScQb" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Options outstanding end of period">8,335</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20230101__20230930_zQNAjqdLe7tl" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, Options outstanding end of period">5.08</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_908_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20230101__20230930_zVxmH34PReHg" title="Weighted average remaining contractual term, options outstanding">3.36</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930_zZYPp4JlmWV1" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, options exercisable">6,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20230930_z5YNWgzhZlA2" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, options exercisable">4.30</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_90A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20230101__20230930_ziFROhXL1i8d" title="Weighted average remaining contractual term, options exercisable">2.80</span> years</td></tr> </table> 11167000 5.21 0 0 2832000 5.59 0 0 8335000 5.08 P3Y4M9D 6250000 4.30 P2Y9M18D <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock_pn3n3_z1c1AtkWGd0d" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zRtS8zXmYMy6" style="display: none">Schedule of stock options outstanding and exercisable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Number of shares as of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Number of shares as of</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Range of exercise prices:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%">$2.00 - $2.99</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zeVco0LZdmd8" style="width: 11%; text-align: right" title="Number of shares, Outstanding">1,440</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zttxlRmDZnZf" style="width: 11%; text-align: right" title="Number of shares, Exercisable">1,105</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zE56mI1kKDW6" style="width: 11%; text-align: right" title="Number of shares, Outstanding">1,445</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zmJeQXd6ajXd" style="width: 11%; text-align: right" title="Number of shares, Exercisable">775</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$3.00 - $3.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zBq1IFNktDqb" style="text-align: right" title="Number of shares, Outstanding">2,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z2ZAYVvk8sni" style="text-align: right" title="Number of shares, Exercisable">2,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zvoYk9VyEPsd" style="text-align: right" title="Number of shares, Outstanding">3,785</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zd7H94tcdHMa" style="text-align: right" title="Number of shares, Exercisable">3,495</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$4.00 - $4.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zkVsPRLYwLFg" style="text-align: right" title="Number of shares, Outstanding">2,659</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zinacLSGluv3" style="text-align: right" title="Number of shares, Exercisable">2,034</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zlEN9YhqEe3i" style="text-align: right" title="Number of shares, Outstanding">2,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zucwy9cq9yUe" style="text-align: right" title="Number of shares, Exercisable">1,802</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$5.00 - $5.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_znq7VRM8DkRh" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_z99nAc4KHjU2" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zFm55KlFZQo3" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zLyhV8K0Q425" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$6.00 - $6.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_z4ecAKIjog53" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zlxOTx7I6j39" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zmusgG5165Ug" style="text-align: right" title="Number of shares, Outstanding">740</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zZhn9qBGE5re" style="text-align: right" title="Number of shares, Exercisable">740</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$7.00 - $7.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zXDzsfFVIOFc" style="text-align: right" title="Number of shares, Outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zexteaqiPJhk" style="text-align: right" title="Number of shares, Exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zJJkAb6Q6cli" style="text-align: right" title="Number of shares, Outstanding">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zdfEO7og329a" style="text-align: right" title="Number of shares, Exercisable">748</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">$10.00 - $10.99</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zvSwxsRkUEbh" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Outstanding">1,703</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_z3LNe7mDFdWk" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Exercisable">578</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zQmWZvLiSAR6" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Outstanding">1,710</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zL46RDmGNS1g" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, Exercisable">210</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total shares</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20230930_zDQM1uSoTtH6" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Outstanding">8,335</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20230930_zgVSALD2I4T7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Exercisable">6,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231_zeqAnmAZxm43" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Outstanding">11,167</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231_zOxUexsPEaXg" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, Exercisable">7,770</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1440000 1105000 1445000 775000 2533000 2533000 3785000 3495000 2659000 2034000 2739000 1802000 0 0 0 0 0 0 740000 740000 0 0 748000 748000 1703000 578000 1710000 210000 8335000 6250000 11167000 7770000 35300000 30500000 2800000 3000000 13500000 23100000 2661000 <p id="xdx_847_eus-gaap--StockholdersEquityPolicyTextBlock_zxjY25JvyuUe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86A_zd9H0wxFupA4">Purchases of Company Stock</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The table below describes the purchase of our common stock for the nine-month ended September 30, 2023 and 2022:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_89C_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zvvII60unMza" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BA_zyZKEVCoMRKe" style="display: none">Schedule of purchases of company stock</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Open market purchases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zFAv6YIqQN31" style="width: 11%; text-align: right" title="Total stock purchases, shares">625,887</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsoeJtthnRq8" style="width: 11%; text-align: right" title="Total stock purchases, average price">11.20</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zCquiKJir3y4" style="width: 11%; text-align: right" title="Total stock purchases, shares">2,617,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z7jYzAMbrb8j" style="width: 11%; text-align: right" title="Total stock purchases, average price">11.20</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Shares redeemed upon net exercise of stock options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z6uibxwYDqfj" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">1,224,673</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zSMJpZ0k9BLh" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">13.56</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztS2ouSx2W3a" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">893,153</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zzmC7GpkDDx8" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">13.56</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total stock purchases</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztSNBkTS708l" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">1,850,560</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z9a0nWFTUuR5" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">11.80</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztAvP9Wf5J3b" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">3,510,701</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zscfTunSpw93" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">11.80</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AB_zMSD82iV97p7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89C_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zvvII60unMza" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BA_zyZKEVCoMRKe" style="display: none">Schedule of purchases of company stock</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Open market purchases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zFAv6YIqQN31" style="width: 11%; text-align: right" title="Total stock purchases, shares">625,887</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsoeJtthnRq8" style="width: 11%; text-align: right" title="Total stock purchases, average price">11.20</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zCquiKJir3y4" style="width: 11%; text-align: right" title="Total stock purchases, shares">2,617,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z7jYzAMbrb8j" style="width: 11%; text-align: right" title="Total stock purchases, average price">11.20</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Shares redeemed upon net exercise of stock options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z6uibxwYDqfj" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">1,224,673</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zSMJpZ0k9BLh" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">13.56</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztS2ouSx2W3a" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">893,153</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zzmC7GpkDDx8" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">13.56</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total stock purchases</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztSNBkTS708l" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">1,850,560</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z9a0nWFTUuR5" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">11.80</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20220101__20220930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_ztAvP9Wf5J3b" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">3,510,701</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20220930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zscfTunSpw93" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">11.80</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 625887 11.20 2617548 11.20 1224673 13.56 893153 13.56 1850560 11.80 3510701 11.80 <p id="xdx_842_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zvTeHTCsZur7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86F_zRvR2JEChZ4j">Reclassifications</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on net income or shareholders’ equity.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84C_ecustom--FinancialCovenantsPolicyTextBlock_zmIA1n32ri1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86B_zxCgsgewzRtc">Financial Covenants</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Certain of our securitization transactions, our warehouse credit facilities and our residual interest financing contain various financial covenants requiring minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. As of September 30, 2023, we were in compliance with all such covenants. In addition, certain of our debt agreements other than our term securitizations contain cross-default provisions. Such cross-default provisions would allow the respective creditors to declare a default if an event of default occurred with respect to other indebtedness of ours, but only if such other event of default were to be accompanied by acceleration of such other indebtedness.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_846_ecustom--ProvisionForContingentLiabilitiesPolicyTextBlock_zSnOwaPacgi4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_862_zHOPQN1u6I54">Provision for Contingent Liabilities</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Our legal counsel has advised us on such matters where, based on information available at the time of this report, there is an indication that it is both probable that a liability has been incurred and the amount of the loss can be reasonably determined.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_842_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_zUWU37y8cMW2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zGXtgd4ppMMl">Adoption of New Accounting Standards</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">In March 2022, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update ("ASU") 2022-02, known as the Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures. ASU 2022-02 eliminates the accounting guidance for TDRs in ASC 310-40 on troubled debt restructurings for entities that have adopted the CECL model introduced by ASU 2016-13, Current Expected Credit Loss. ASU 2022-02 also requires that public business entities disclose current-period gross charge offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, Financial Instruments – Credit Losses – Measured at Amortized Cost. This guidance is effective for fiscal years beginning after December 15, 2022, and the adoption of this guidance did not have a material impact on the condensed consolidated financial statements.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_807_ecustom--FinanceReceivableTextBlock_zus7z2tYeq5a" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><b>(2) <i><span id="xdx_829_zVsmMrx63hw2">Finance Receivables </span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our portfolio of finance receivables consists of small-balance homogeneous contracts comprising a single segment and class that is collectively evaluated for impairment on a portfolio basis according to delinquency status. Our contract purchase guidelines are designed to produce a homogenous portfolio. For key terms such as interest rate, length of contract, monthly payment and amount financed, there is relatively little variation from the average for the portfolio. We report delinquency on a contractual basis. Once a contract becomes greater than 90 days delinquent, we do not recognize additional interest income until the obligor under the contract makes sufficient payments to be less than 90 days delinquent. Any payments received on a contract that is greater than 90 days delinquent are first applied to accrued interest and then to principal reduction.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">In January 2018 the Company adopted the fair value method of accounting for finance receivables acquired after 2017. Finance receivables measured at fair value are recorded separately on the Company’s Balance Sheet and are excluded from all tables in this footnote.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We consider an automobile contract delinquent when an obligor fails to make at least 90% of a contractually due payment by the following due date, which date may have been extended within limits specified in the servicing agreements. The period of delinquency is based on the number of days payments are contractually past due, as extended where applicable. Automobile contracts less than 31 days delinquent are not included. In certain circumstances we will grant obligors one-month payment extensions to assist them with temporary cash flow problems. The only modification of terms is to advance the obligor’s next due date by one month and extend the maturity date of the receivable by one month. In certain limited cases, a two-month extension may be granted. There are no other concessions such as a reduction in interest rate, forgiveness of principal or of accrued interest. Automobile finance receivables, net of unearned interest was $<span id="xdx_90F_eus-gaap--InterestReceivable_iI_pn5n6_c20230930_zwt2TtAffV87">38.5 </span>million and $<span id="xdx_901_eus-gaap--InterestReceivable_iI_pn5n6_c20221231_z5AOu7e5y3T4">92.3</span> million as of September 30, 2023 and December 31, 2022, respectively. The following table summarizes the delinquency status of finance receivables as of September 30, 2023 and December 31, 2022:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--PastDueFinancingReceivablesTableTextBlock_pn3n3_zLYftxHeomub" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B3_zp3HxYbVKr7e" style="display: none">Schedule of delinquency status of finance receivables</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 68%">Current</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--NotesReceivableGross_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_zmXLl6nCVUyc" style="width: 13%; text-align: right" title="Finance receivables">25,805</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Finance receivables">65,764</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31-60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--NotesReceivableGross_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zICeX7CUnZhk" style="text-align: right" title="Finance receivables">7,167</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables">16,796</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61-90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--NotesReceivableGross_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zNHcX1lLsfGg" style="text-align: right" title="Finance receivables">4,086</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables">7,756</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">90+ days</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--NotesReceivableGross_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zrqnuck7HL6" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables">1,435</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables">1,988</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--NotesReceivableGross_pn3n3_c20230930_zeKWxmd860Kd" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">38,493</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--NotesReceivableGross_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">92,304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_zV6Ra7OJ8zed" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Finance receivables totaling $<span id="xdx_900_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn5n6_c20230930_z4ZPIn5uyX51">1.4</span> million and $<span id="xdx_908_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn5n6_c20221231_zCoBKpUkVSp7">2.0</span> million at September 30, 2023 and December 31, 2022, respectively, including all receivables greater than 90 days delinquent, have been placed on non-accrual status as a result of their delinquency status.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><b>Allowance for Credit Losses – Finance Receivables </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of finance receivables to present the net amount expected to be collected. Charge offs are deducted from the allowance when management believes that collectability is unlikely.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Management estimates the allowance using relevant available information, from internal and external sources, relating to past events, current conditions and, reasonable and supportable forecasts. We believe our historical credit loss experience provides the best basis for the estimation of expected credit losses. Consequently, we use historical loss experience for older receivables, aggregated into vintage pools based on their calendar quarter of origination, to forecast expected losses for less seasoned quarterly vintage pools.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We measure the weighted average monthly incremental change in cumulative net losses for the vintage pools in the relevant historical period. For the pools in the relevant historical period, we consider each pool’s performance from its inception through the end of the current period. We then apply the results of the historical analysis to less seasoned vintage pools beginning with each vintage pool’s most recent actual cumulative net loss experience and extrapolating from that point based on the historical data. We believe the pattern and magnitude of losses on older vintages allows us to establish a reasonable and supportable forecast of less seasoned vintages.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our contract purchase guidelines are designed to produce a homogenous portfolio. For key credit characteristics of individual contracts such as obligor credit history, job stability, residence stability and ability to pay, there is relatively little variation from the average for the portfolio. Similarly, for key structural characteristics such as loan-to-value, length of contract, monthly payment and amount financed, there is relatively little variation from the average for the portfolio. Consequently, we do not believe there are significant differences in risk characteristics between various segments of our portfolio.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our methodology incorporates historical pools that are sufficiently seasoned to capture the magnitude and trends of losses within those vintage pools. Furthermore, the historical period encompasses a substantial volume of receivables over periods that include fluctuations in the competitive landscape, the Company’s rates of growth, size of our managed portfolio and fluctuations in economic growth and unemployment.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">In consideration of the depth and breadth of the historical period, and the homogeneity of our portfolio, we generally do not adjust historical loss information for differences in risk characteristics such as credit or structural composition of segments of the portfolio or for changes in environmental conditions such as changes in unemployment rates, collateral values or other factors. However, we have considered how certain qualitative factors may affect future credit losses and have incorporated our judgement of the effect of such factors into our estimates.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the amortized cost basis of our finance receivables by annual vintage as of September 30, 2023 and December 31, 2022.</p> <table cellpadding="0" cellspacing="0" id="xdx_89A_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_zcllSWPepTDi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Amortized Cost Basis)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zM473M3Xvecc" style="display: none">Schedule of amortized cost basis of finance receivables</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: underline; text-align: center">Annual Vintage Pool</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">2014 and prior</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ServicingAssetAtAmortizedValue_c20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Amortized cost basis">595</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ServicingAssetAtAmortizedValue_c20221231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Amortized cost basis">1,865</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ServicingAssetAtAmortizedValue_c20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Amortized cost basis">2,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ServicingAssetAtAmortizedValue_c20221231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Amortized cost basis">8,627</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ServicingAssetAtAmortizedValue_c20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Amortized cost basis">11,243</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ServicingAssetAtAmortizedValue_c20221231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Amortized cost basis">28,632</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">2017</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ServicingAssetAtAmortizedValue_c20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">23,907</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ServicingAssetAtAmortizedValue_c20221231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">53,180</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--ServicingAssetAtAmortizedValue_c20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">38,493</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ServicingAssetAtAmortizedValue_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">92,304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A8_zAB6kdVE20K3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents a summary of the activity for the allowance for finance credit losses for the three-month and nine-month periods ended September 30, 2023 and 2022:</p> <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zES70qiyQYrj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B7_zPZbhsi4putk" style="display: none">Schedule of allowance for finance credit losses</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 36%">Balance at beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20230701__20230930_zKW7WklCEqw2" style="width: 13%; text-align: right" title="Balance at beginning of period">5,721</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20220701__20220930_zP3ri0lEIjTf" style="width: 13%; text-align: right" title="Balance at beginning of period">35,672</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20230101__20230930_zoaOiTSAwurh" style="width: 13%; text-align: right" title="Balance at beginning of period">21,753</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20220101__20220930_zKFcwiv1YJS4" style="width: 13%; text-align: right" title="Balance at beginning of period">56,206</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Provision for credit losses on finance receivables</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20230701__20230930_zhzsfnJ5tCNi" style="text-align: right" title="Provision for credit losses on finance receivables">(2,000</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20220701__20220930_zzSMh75XRqh9" style="text-align: right" title="Provision for credit losses on finance receivables">(6,000</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20230101__20230930_zu0jsoDYW88e" style="text-align: right" title="Provision for credit losses on finance receivables">(20,700</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20220101__20220930_zfJrGriqRFjd" style="text-align: right" title="Provision for credit losses on finance receivables">(23,400</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Charge-offs</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20230701__20230930_zsYpSobglHJe" style="text-align: right" title="Charge-offs">(1,477</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20220701__20220930_zwDDTvWCsR39" style="text-align: right" title="Charge-offs">(4,375</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20230101__20230930_zJWpU84Tnqlg" style="text-align: right" title="Charge-offs">(6,391</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20220101__20220930_zR1xchmPi0bi" style="text-align: right" title="Charge-offs">(14,181</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20230701__20230930_zYybQTiFchl1" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">1,984</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20220701__20220930_zanBTqEwPT45" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">2,699</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20230101__20230930_zI7ucylBiSIa" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">9,566</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20220101__20220930_zVPuyeD8ySoj" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">9,371</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20230701__20230930_z9tMZgp13Vqh" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">4,228</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20220701__20220930_zUSYOQFPp7M5" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">27,996</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20230101__20230930_zPy8p2CoWyrh" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">4,228</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20220101__20220930_zJ8c8v5FamCa" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">27,996</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A2_zYH68XUH88ce" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the gross charge-offs by year of origination of our finance receivables for the three-month and nine-month ended September 30, 2023 and 2022:</p> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfChargeOffsOfFinanceReceivablesTableTextBlock_zvwojq6rw0cg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Charge-Offs for Financed Receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zSdtCqwQSR2g" style="display: none">Schedule of charge-offs for financed receivables</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center">Annual Vintage Pool</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 36%; text-align: left">2014 and prior</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Charge-offs">43</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Charge-offs">261</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Charge-offs">251</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Charge-offs">795</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Charge-offs">129</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Charge-offs">602</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Charge-offs">870</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Charge-offs">2,343</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Charge-offs">568</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zRX9GbyA5YA5" style="text-align: right" title="Charge-offs">1,598</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Charge-offs">2,602</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Charge-offs">5,136</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2017</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zzo0cA8RB6qg" style="text-align: right" title="Charge-offs">948</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zPBx3b1FkDs8" style="text-align: right" title="Charge-offs">2,072</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zsoDcCBhXfZ1" style="text-align: right" title="Charge-offs">3,548</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zC6NQt2sUfTc" style="text-align: right" title="Charge-offs">6,304</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Applied against repos in inventory (net)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_ecustom--AllowanceForDoubtfulAccountsReceivableApplied_pn3n3_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--ChargedAgainstReposInInventoryMember_zLXPHNg8l0Xb" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(211</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--AllowanceForDoubtfulAccountsReceivableApplied_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--ChargedAgainstReposInInventoryMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(158</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_ecustom--AllowanceForDoubtfulAccountsReceivableApplied_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--ChargedAgainstReposInInventoryMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(880</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--AllowanceForDoubtfulAccountsReceivableApplied_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--ChargedAgainstReposInInventoryMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(397</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230701__20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">1,477</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220701__20220930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">4,375</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230101__20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">6,391</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220101__20220930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">14,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p id="xdx_8A6_zObNB1BIulE7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Excluded from finance receivables are contracts that were previously classified as finance receivables but were reclassified as other assets because we have repossessed the vehicle securing the Contract. The following table presents a summary of such repossessed inventory together with the allowance for losses in repossessed inventory that is not included in the allowance for finance credit losses:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--AllowanceForLossesOnRepossessedInventoryTableTextBlock_znS8dpT2bvua" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Repossessed inventory)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zznvei18poK9" style="display: none">Schedule of allowance for losses on repossessed inventory</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 68%; text-align: left">Gross balance of repossessions in inventory</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_ecustom--RepossessedVehiclesInventoryGross_iI_pn3n3_c20230930_z33IddDv8Zji" style="width: 13%; text-align: right">604</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_ecustom--RepossessedVehiclesInventoryGross_iI_pn3n3_c20221231_zOAJBzgaXwXi" style="width: 13%; text-align: right">1,894</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-align: left">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--RepossessedInventoryAllowance_iNI_pn3n3_di_c20230930_zv4xLYfZ7nZ2" style="border-bottom: Black 1pt solid; text-align: right">(444</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--RepossessedInventoryAllowance_iNI_pn3n3_di_c20221231_zrsqAuKzXgGa" style="border-bottom: Black 1pt solid; text-align: right">(1,323</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_ecustom--RepossessedVehiclesInventoryNet_iI_pn3n3_c20230930_zzMvw6i64vgl" style="border-bottom: Black 2.5pt double; text-align: right">160</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_ecustom--RepossessedVehiclesInventoryNet_iI_pn3n3_c20221231_zJDQSNigJT8j" style="border-bottom: Black 2.5pt double; text-align: right">571</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zOPRTAX84IAd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> 38500000 92300000 <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--PastDueFinancingReceivablesTableTextBlock_pn3n3_zLYftxHeomub" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B3_zp3HxYbVKr7e" style="display: none">Schedule of delinquency status of finance receivables</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 68%">Current</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--NotesReceivableGross_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_zmXLl6nCVUyc" style="width: 13%; text-align: right" title="Finance receivables">25,805</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Finance receivables">65,764</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31-60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--NotesReceivableGross_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zICeX7CUnZhk" style="text-align: right" title="Finance receivables">7,167</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables">16,796</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61-90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--NotesReceivableGross_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zNHcX1lLsfGg" style="text-align: right" title="Finance receivables">4,086</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables">7,756</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">90+ days</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--NotesReceivableGross_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zrqnuck7HL6" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables">1,435</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables">1,988</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--NotesReceivableGross_pn3n3_c20230930_zeKWxmd860Kd" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">38,493</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--NotesReceivableGross_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">92,304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 25805000 65764000 7167000 16796000 4086000 7756000 1435000 1988000 38493000 92304000 1400000 2000000.0 <table cellpadding="0" cellspacing="0" id="xdx_89A_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_zcllSWPepTDi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Amortized Cost Basis)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zM473M3Xvecc" style="display: none">Schedule of amortized cost basis of finance receivables</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: underline; text-align: center">Annual Vintage Pool</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">2014 and prior</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ServicingAssetAtAmortizedValue_c20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Amortized cost basis">595</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ServicingAssetAtAmortizedValue_c20221231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Amortized cost basis">1,865</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ServicingAssetAtAmortizedValue_c20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Amortized cost basis">2,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ServicingAssetAtAmortizedValue_c20221231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Amortized cost basis">8,627</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ServicingAssetAtAmortizedValue_c20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Amortized cost basis">11,243</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ServicingAssetAtAmortizedValue_c20221231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Amortized cost basis">28,632</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">2017</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ServicingAssetAtAmortizedValue_c20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">23,907</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ServicingAssetAtAmortizedValue_c20221231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">53,180</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--ServicingAssetAtAmortizedValue_c20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">38,493</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ServicingAssetAtAmortizedValue_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">92,304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 595000 1865000 2748000 8627000 11243000 28632000 23907000 53180000 38493000 92304000 <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zES70qiyQYrj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B7_zPZbhsi4putk" style="display: none">Schedule of allowance for finance credit losses</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 36%">Balance at beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20230701__20230930_zKW7WklCEqw2" style="width: 13%; text-align: right" title="Balance at beginning of period">5,721</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20220701__20220930_zP3ri0lEIjTf" style="width: 13%; text-align: right" title="Balance at beginning of period">35,672</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20230101__20230930_zoaOiTSAwurh" style="width: 13%; text-align: right" title="Balance at beginning of period">21,753</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20220101__20220930_zKFcwiv1YJS4" style="width: 13%; text-align: right" title="Balance at beginning of period">56,206</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Provision for credit losses on finance receivables</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20230701__20230930_zhzsfnJ5tCNi" style="text-align: right" title="Provision for credit losses on finance receivables">(2,000</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20220701__20220930_zzSMh75XRqh9" style="text-align: right" title="Provision for credit losses on finance receivables">(6,000</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20230101__20230930_zu0jsoDYW88e" style="text-align: right" title="Provision for credit losses on finance receivables">(20,700</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20220101__20220930_zfJrGriqRFjd" style="text-align: right" title="Provision for credit losses on finance receivables">(23,400</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Charge-offs</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20230701__20230930_zsYpSobglHJe" style="text-align: right" title="Charge-offs">(1,477</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20220701__20220930_zwDDTvWCsR39" style="text-align: right" title="Charge-offs">(4,375</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20230101__20230930_zJWpU84Tnqlg" style="text-align: right" title="Charge-offs">(6,391</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20220101__20220930_zR1xchmPi0bi" style="text-align: right" title="Charge-offs">(14,181</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20230701__20230930_zYybQTiFchl1" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">1,984</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20220701__20220930_zanBTqEwPT45" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">2,699</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20230101__20230930_zI7ucylBiSIa" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">9,566</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20220101__20220930_zVPuyeD8ySoj" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">9,371</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20230701__20230930_z9tMZgp13Vqh" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">4,228</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20220701__20220930_zUSYOQFPp7M5" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">27,996</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20230101__20230930_zPy8p2CoWyrh" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">4,228</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20220101__20220930_zJ8c8v5FamCa" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">27,996</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 5721000 35672000 21753000 56206000 -2000000 -6000000 -20700000 -23400000 1477000 4375000 6391000 14181000 1984000 2699000 9566000 9371000 4228000 27996000 4228000 27996000 <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfChargeOffsOfFinanceReceivablesTableTextBlock_zvwojq6rw0cg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Charge-Offs for Financed Receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zSdtCqwQSR2g" style="display: none">Schedule of charge-offs for financed receivables</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center">Annual Vintage Pool</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 36%; text-align: left">2014 and prior</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Charge-offs">43</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Charge-offs">261</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Charge-offs">251</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="width: 13%; text-align: right" title="Charge-offs">795</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Charge-offs">129</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Charge-offs">602</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Charge-offs">870</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Charge-offs">2,343</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Charge-offs">568</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zRX9GbyA5YA5" style="text-align: right" title="Charge-offs">1,598</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Charge-offs">2,602</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Charge-offs">5,136</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2017</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zzo0cA8RB6qg" style="text-align: right" title="Charge-offs">948</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zPBx3b1FkDs8" style="text-align: right" title="Charge-offs">2,072</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zsoDcCBhXfZ1" style="text-align: right" title="Charge-offs">3,548</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zC6NQt2sUfTc" style="text-align: right" title="Charge-offs">6,304</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Applied against repos in inventory (net)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_ecustom--AllowanceForDoubtfulAccountsReceivableApplied_pn3n3_c20230701__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--ChargedAgainstReposInInventoryMember_zLXPHNg8l0Xb" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(211</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--AllowanceForDoubtfulAccountsReceivableApplied_c20220701__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--ChargedAgainstReposInInventoryMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(158</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_ecustom--AllowanceForDoubtfulAccountsReceivableApplied_c20230101__20230930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--ChargedAgainstReposInInventoryMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(880</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--AllowanceForDoubtfulAccountsReceivableApplied_c20220101__20220930__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--ChargedAgainstReposInInventoryMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(397</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230701__20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">1,477</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220701__20220930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">4,375</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20230101__20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">6,391</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_c20220101__20220930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">14,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> 43000 261000 251000 795000 129000 602000 870000 2343000 568000 1598000 2602000 5136000 948000 2072000 3548000 6304000 -211000 -158000 -880000 -397000 1477000 4375000 6391000 14181000 <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--AllowanceForLossesOnRepossessedInventoryTableTextBlock_znS8dpT2bvua" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Repossessed inventory)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zznvei18poK9" style="display: none">Schedule of allowance for losses on repossessed inventory</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 68%; text-align: left">Gross balance of repossessions in inventory</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_ecustom--RepossessedVehiclesInventoryGross_iI_pn3n3_c20230930_z33IddDv8Zji" style="width: 13%; text-align: right">604</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_ecustom--RepossessedVehiclesInventoryGross_iI_pn3n3_c20221231_zOAJBzgaXwXi" style="width: 13%; text-align: right">1,894</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-align: left">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--RepossessedInventoryAllowance_iNI_pn3n3_di_c20230930_zv4xLYfZ7nZ2" style="border-bottom: Black 1pt solid; text-align: right">(444</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--RepossessedInventoryAllowance_iNI_pn3n3_di_c20221231_zrsqAuKzXgGa" style="border-bottom: Black 1pt solid; text-align: right">(1,323</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_ecustom--RepossessedVehiclesInventoryNet_iI_pn3n3_c20230930_zzMvw6i64vgl" style="border-bottom: Black 2.5pt double; text-align: right">160</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_ecustom--RepossessedVehiclesInventoryNet_iI_pn3n3_c20221231_zJDQSNigJT8j" style="border-bottom: Black 2.5pt double; text-align: right">571</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 604000 1894000 444000 1323000 160000 571000 <p id="xdx_80C_ecustom--SecuritizationTrustDebtTextBlock_zkoEy8ityWT7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(3) <i><span id="xdx_823_zA9HjRYLQf79">Securitization Trust Debt</span> </i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt">We have completed many securitization transactions that are structured as secured borrowings for financial accounting purposes. The debt issued in these transactions is shown on our Unaudited Condensed Consolidated Balance Sheets as “Securitization trust debt,” and the components of such debt are summarized in the following table:</p> <table cellpadding="0" cellspacing="0" id="xdx_89D_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_zXNYPK9MLwy" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Securitization Trust Debt (Details)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_zrLrff8CvER8" style="display: none">Schedule of securitization trust debt</span></td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Final</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Receivables</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual Debt</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Scheduled</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Pledged at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest Rate at</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Payment</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Initial</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Series</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Date (1)</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023 (2)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Principal</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="17" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 16%">CPS 2018-A</td><td style="width: 1%"> </td> <td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDEp_zVxyETd4RTA5" style="width: 13%; text-align: right" title="Final Scheduled Payment Date">March 2025</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDIp_ztkzTRqyUBNh" style="width: 11%; text-align: right" title="Receivables pledged at end of period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_zj74x9NH0m9a" style="width: 11%; text-align: right" title="Initial principal">190,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_zoRrPjBbcFMa" style="width: 11%; text-align: right" title="Outstanding principal">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_z8NaixuUBKYd" style="width: 11%; text-align: right" title="Outstanding principal">12,939</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_zhk7vP5euPsb" title="Weighted average contractual debt interest rate">–</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2018-B</td><td> </td> <td id="xdx_984_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDEp_zY6jkijtUoM9" style="text-align: right" title="Final Scheduled Payment Date">December 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDIp_zIww8ILPRiij" style="text-align: right" title="Receivables pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Initial principal">201,823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_zNNeJXKDXu6l" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_zTJIlrBhRyM3" style="text-align: right" title="Outstanding principal">17,077</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_zM9lOg5CL9u3" title="Weighted average contractual debt interest rate">–</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2018-C</td><td> </td> <td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDEp_ztfkhzsZJ9A8" style="text-align: right" title="Final Scheduled Payment Date">September 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDIp_zmwB46z2hnQk" style="text-align: right" title="Receivables pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Initial principal">230,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zw9gDvVCXTX8" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zL4QXMFF5MXf" style="text-align: right" title="Outstanding principal">20,222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zFP57iT21y1h" title="Weighted average contractual debt interest rate">0.00</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2018-D</td><td> </td> <td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDEp_zYcAx07c4Xbc" style="text-align: right" title="Final Scheduled Payment Date">June 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDIp_z4OsP7UPWJF3" style="text-align: right" title="Receivables pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Initial principal">233,730</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_z9ZqOPQxZUB9" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_z1l6EPyyjrFb" style="text-align: right" title="Outstanding principal">25,563</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_zPvjWFWGzDwi" title="Weighted average contractual debt interest rate">0.00</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-A</td><td> </td> <td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDEp_zacPHKK73Y27" style="text-align: right" title="Final Scheduled Payment Date">March 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDIp_zbfKHrMEAWQ5" style="text-align: right" title="Receivables pledged at end of period">21,838</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Initial principal">254,400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_z8QhY1ehEwBf" style="text-align: right" title="Outstanding principal">16,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_z9yvqwwSquY9" style="text-align: right" title="Outstanding principal">32,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_zISxZxFfINce" title="Weighted average contractual debt interest rate">5.81</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-B</td><td> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDEp_zNQX5z1Sy75k" style="text-align: right" title="Final Scheduled Payment Date">June 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDIp_z5KxHBOEh9I7" style="text-align: right" title="Receivables pledged at end of period">24,211</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Initial principal">228,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zLpd6Equojna" style="text-align: right" title="Outstanding principal">19,935</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zcNwPcMELYM3" style="text-align: right" title="Outstanding principal">33,897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zmtCzkBaDfeg" title="Weighted average contractual debt interest rate">5.82</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-C</td><td> </td> <td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDEp_zIgJE1iX8Zn8" style="text-align: right" title="Final Scheduled Payment Date">September 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDIp_zD45KCXcGdj" style="text-align: right" title="Receivables pledged at end of period">29,160</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Initial principal">243,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zl87Y4hzhhc7" style="text-align: right" title="Outstanding principal">24,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zCK5GXMKo2Bd" style="text-align: right" title="Outstanding principal">41,515</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zuDHFcYo3ni3" title="Weighted average contractual debt interest rate">4.90</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-D</td><td> </td> <td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDEp_zwiNwcQswSx9" style="text-align: right" title="Final Scheduled Payment Date">December 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDIp_zuYGK0PCpp7l" style="text-align: right" title="Receivables pledged at end of period">38,268</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Initial principal">274,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_z38uclauAnm1" style="text-align: right" title="Outstanding principal">33,693</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zTe8V7FcGD0l" style="text-align: right" title="Outstanding principal">53,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zRdURP6is6F3" title="Weighted average contractual debt interest rate">4.28</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-A</td><td> </td> <td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDEp_zIbApRSTLI0h" style="text-align: right" title="Final Scheduled Payment Date">March 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDIp_z9xKXAbITFQk" style="text-align: right" title="Receivables pledged at end of period">36,578</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pn3n3" style="text-align: right" title="Initial principal">260,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zNoeqy1pmew7" style="text-align: right" title="Outstanding principal">31,769</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zKxB8DbgT5Dk" style="text-align: right" title="Outstanding principal">52,705</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zK82V0zp6Okh" title="Weighted average contractual debt interest rate">4.67</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2020-B</td><td> </td> <td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDEp_zPtJwW0xQgkh" style="text-align: right" title="Final Scheduled Payment Date">June 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDIp_zXsvwYzwPhI6" style="text-align: right" title="Receivables pledged at end of period">42,170</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pn3n3" style="text-align: right" title="Initial principal">202,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zyrHfigS9ka" style="text-align: right" title="Outstanding principal">27,649</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zkVvAMckPcxh" style="text-align: right" title="Outstanding principal">41,736</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_905_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zE2KjMmhqrni" title="Weighted average contractual debt interest rate">6.88</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-C</td><td> </td> <td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zeuYQJ0fElPa" style="text-align: right" title="Final Scheduled Payment Date">November 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_z1z3gTN00Bjb" style="text-align: right" title="Receivables pledged at end of period">58,424</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="text-align: right" title="Initial principal">252,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zY39ryxded05" style="text-align: right" title="Outstanding principal">49,298</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_z3EvyWRx2EJa" style="text-align: right" title="Outstanding principal">72,894</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zdIb2tlT96p3" title="Weighted average contractual debt interest rate">3.81</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-A</td><td> </td> <td id="xdx_984_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDEp_z38aqJpfbjne" style="text-align: right" title="Final Scheduled Payment Date">March 2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDIp_zxSjtMeqdJz6" style="text-align: right" title="Receivables pledged at end of period">62,378</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_pn3n3" style="text-align: right" title="Initial principal">230,545</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zf5hfPxUgoNe" style="text-align: right" title="Outstanding principal">44,128</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zIH4OX26fFcb" style="text-align: right" title="Outstanding principal">72,076</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zC53OLwkHuT" title="Weighted average contractual debt interest rate">1.74</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-B</td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_z0kaFRc988Z8" style="text-align: right" title="Final Scheduled Payment Date">June 2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDIp_zDpN4N1RDSCh" style="text-align: right" title="Receivables pledged at end of period">78,721</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_pn3n3" style="text-align: right" title="Initial principal">240,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_z6A8pYGMkTWf" style="text-align: right" title="Outstanding principal">65,432</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zwRut1EcVtqj" style="text-align: right" title="Outstanding principal">101,206</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zoUxTPqp4Ukd" title="Weighted average contractual debt interest rate">2.31</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-C</td><td> </td> <td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_zesOg8mqqaAe" style="text-align: right" title="Final Scheduled Payment Date">September 2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDIp_zAZzxcUNvkO3" style="text-align: right" title="Receivables pledged at end of period">117,555</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Initial principal">291,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zT0rmFyGbraj" style="text-align: right" title="Outstanding principal">98,915</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Outstanding principal">147,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zSm0ylBAhUxe" title="Weighted average contractual debt interest rate">1.92</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-D</td><td> </td> <td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zc92FFiogXDk" style="text-align: right" title="Final Scheduled Payment Date">December 2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDIp_zUp7Td9gIkee" style="text-align: right" title="Receivables pledged at end of period">160,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Initial principal">349,202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Outstanding principal">143,583</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Outstanding principal">209,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zaori8OnTLR5" title="Weighted average contractual debt interest rate">2.36</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-A</td><td> </td> <td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zgK5ZEaHYugd" style="text-align: right" title="Final Scheduled Payment Date">April 2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDIp_z8MHTf62Clmi" style="text-align: right" title="Receivables pledged at end of period">177,253</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Initial principal">316,800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding principal">155,921</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding principal">222,613</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_z1bfQd658Ug6" title="Weighted average contractual debt interest rate">2.65</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-B</td><td> </td> <td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zmRusm0eYRbk" style="text-align: right" title="Final Scheduled Payment Date">October 2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDIp_zCn86CAjrm85" style="text-align: right" title="Receivables pledged at end of period">267,738</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Initial principal">395,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding principal">237,944</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding principal">325,907</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90A_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zky6pFB6ylz4" title="Weighted average contractual debt interest rate">4.64</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-C</td><td> </td> <td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_zR9oE4C6UK7c" style="text-align: right" title="Final Scheduled Payment Date">April 2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDIp_z6ZYqmW0tDw8" style="text-align: right" title="Receivables pledged at end of period">304,257</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Initial principal">391,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding principal">255,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding principal">346,714</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_z9LBDetzBBr2" title="Weighted average contractual debt interest rate">5.62</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-D</td><td> </td> <td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_ziKhgbmwrCb9" style="text-align: right" title="Final Scheduled Payment Date">June 2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDIp_z2A2WsQeDNs6" style="text-align: right" title="Receivables pledged at end of period">255,071</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Initial principal">307,018</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Outstanding principal">227,124</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Outstanding principal">292,461</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zYoq3emkqDte" title="Weighted average contractual debt interest rate">7.73</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-A</td><td> </td> <td id="xdx_988_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDEp_zYdfXpMieQtg" style="text-align: right" title="Final Scheduled Payment Date">August 2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDIp_z6iRcTTfPYfg" style="text-align: right" title="Receivables pledged at end of period">177,253</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Initial principal">324,768</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Outstanding principal">255,056</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_z4FvJtAbSVL9" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zLUjkh6GwS8a" title="Weighted average contractual debt interest rate">6.25</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-B</td><td> </td> <td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDEp_zJZJuwwCxzfj" style="text-align: right" title="Final Scheduled Payment Date">November 2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDIp_zZBVRYOEDfhk" style="text-align: right" title="Receivables pledged at end of period">267,738</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Initial principal">332,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Outstanding principal">293,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zTohaBCkc4q1" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_902_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zPHOUPcT2Fbf" title="Weighted average contractual debt interest rate">6.53</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">CPS 2023-C</td><td style="padding-bottom: 1pt"> </td> <td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDEp_zVpZ9ETFAHwj" style="text-align: right; padding-bottom: 1pt" title="Final Scheduled Payment Date">February 2031</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDIp_zi1I5Rsjtnjc" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables pledged at end of period">304,257</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zG9RdudZphTd" style="border-bottom: Black 1pt solid; text-align: right" title="Initial principal">291,732</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zTXPG0nhh0na" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding principal">276,438</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_z7UfFf78mB0e" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding principal">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zI0mOrui0Qic" title="Weighted average contractual debt interest rate">6.61</span></td><td style="padding-bottom: 1pt; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: right; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20230930_fKDIp_zWT4M5cbh4Hi" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables pledged at end of period">2,423,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial principal">6,042,022</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding principal">2,257,832</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding principal">2,122,918</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="margin: 0pt 0; font-size: 10pt">_________________</p> <p style="margin: 0pt 0; font-size: 10pt"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><i id="xdx_F0B_zGfdaqbsYo4a">(1)</i></td><td style="text-align: justify"><i id="xdx_F1F_z7wSzgn4o1sg">The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_iI_pn5n6_c20230930_zVrRBrQPQRXc" title="Securitization trust debt, payable in 2023">201</span>.0 million in 2023, $<span id="xdx_907_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn5n6_c20230930_zjg5RBZrrlDi" title="Securitization trust debt, payable in 2024">844.3</span> million in 2024, $<span id="xdx_903_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn5n6_c20230930_zNIcEqMFYvTa" title="Securitization trust debt, payable in 2025">529.7</span> million in 2025, $<span id="xdx_900_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn5n6_c20230930_zIXEYcZRn9fa" title="Securitization trust debt, payable in 2026">317.1</span> million in 2026, $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn5n6_c20230930_zQEa6BuuuuL5" title="Securitization trust debt, payable in 2027">206.2</span> million in 2027, $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn6n6_c20230930_zcRksrHn31d4" title="Securitization trust debt, payable in 2028">119</span>.0 million in 2028, and $<span id="xdx_90E_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_pn6n6_c20230930_zp2J1ZjXS5Xd" title="Securitization trust debt, payable in 2029">26</span>.0 million in 2029.</i></td></tr> <tr style="vertical-align: top"> <td> </td><td> </td><td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><i id="xdx_F01_z8ZOHfh6ye1">(2)</i></td><td style="text-align: left"><i id="xdx_F1F_zKuDOZHGskk5">Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.</i></td></tr></table> <p id="xdx_8A7_zFeZltpKPAl5" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt">Debt issuance costs of $<span id="xdx_90C_eus-gaap--DeferredFinanceCostsGross_iI_pn5n6_c20230930_zs8lbEuhTrK9" title="Debt issuance costs">14.5</span> million and $<span id="xdx_903_eus-gaap--DeferredFinanceCostsGross_iI_pn5n6_c20221231_zN4oydVWNVGd" title="Debt issuance costs">14.2</span> million as of September 30, 2023 and December 31, 2022, respectively, have been excluded from the table above. These debt issuance costs are presented as a direct deduction to the carrying amount of the Securitization trust debt on our Consolidated Balance Sheets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt">All of the securitization trust debt was sold in private placement transactions to qualified institutional buyers. The debt was issued through our wholly-owned bankruptcy remote subsidiaries and is secured by the assets of such subsidiaries, but not by our other assets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt">The terms of the securitization agreements related to the issuance of the securitization trust debt and the warehouse credit facilities require that we meet certain delinquency and credit loss criteria with respect to the pool of receivables, and certain of the agreements require that we maintain minimum levels of liquidity and not exceed maximum leverage levels. As of September 30, 2023, we were in compliance with all such covenants.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt">We are responsible for the administration and collection of the automobile contracts. The securitization agreements also require certain funds be held in restricted cash accounts to provide additional collateral for the borrowings, to be applied to make payments on the securitization trust debt or as pre-funding proceeds from a term securitization prior to the purchase of additional collateral. As of September 30, 2023, restricted cash under the various agreements totaled approximately $<span id="xdx_904_eus-gaap--RestrictedCash_iI_pn5n6_c20230630_zFr97xW738Oa" title="Restricted cash under various agreements">142.1</span> million. Interest expense on the securitization trust debt consists of the stated rate of interest plus amortization of additional costs of borrowing. Additional costs of borrowing include facility fees, amortization of deferred financing costs and discounts on notes sold. Deferred financing costs and discounts on notes sold related to the securitization trust debt are amortized using a level yield method. Accordingly, the effective cost of the securitization trust debt is greater than the contractual rate of interest disclosed above.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our wholly-owned bankruptcy remote subsidiaries were formed to facilitate the above asset-backed financing transactions. Similar bankruptcy remote subsidiaries issue the debt outstanding under our credit facilities. Bankruptcy remote refers to a legal structure in which it is expected that the applicable entity would not be included in any bankruptcy filing by its parent or affiliates. All of the assets of these subsidiaries have been pledged as collateral for the related debt. All such transactions, treated as secured financings for accounting and tax purposes, are treated as sales for all other purposes, including legal and bankruptcy purposes. None of the assets of these subsidiaries are available to pay other creditors.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89D_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_zXNYPK9MLwy" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Securitization Trust Debt (Details)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_zrLrff8CvER8" style="display: none">Schedule of securitization trust debt</span></td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Final</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Receivables</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual Debt</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Scheduled</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Pledged at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest Rate at</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Payment</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Initial</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Series</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Date (1)</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023 (2)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Principal</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="17" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 16%">CPS 2018-A</td><td style="width: 1%"> </td> <td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDEp_zVxyETd4RTA5" style="width: 13%; text-align: right" title="Final Scheduled Payment Date">March 2025</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDIp_ztkzTRqyUBNh" style="width: 11%; text-align: right" title="Receivables pledged at end of period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_zj74x9NH0m9a" style="width: 11%; text-align: right" title="Initial principal">190,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_zoRrPjBbcFMa" style="width: 11%; text-align: right" title="Outstanding principal">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_z8NaixuUBKYd" style="width: 11%; text-align: right" title="Outstanding principal">12,939</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_zhk7vP5euPsb" title="Weighted average contractual debt interest rate">–</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2018-B</td><td> </td> <td id="xdx_984_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDEp_zY6jkijtUoM9" style="text-align: right" title="Final Scheduled Payment Date">December 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDIp_zIww8ILPRiij" style="text-align: right" title="Receivables pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Initial principal">201,823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_zNNeJXKDXu6l" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_zTJIlrBhRyM3" style="text-align: right" title="Outstanding principal">17,077</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_zM9lOg5CL9u3" title="Weighted average contractual debt interest rate">–</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2018-C</td><td> </td> <td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDEp_ztfkhzsZJ9A8" style="text-align: right" title="Final Scheduled Payment Date">September 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDIp_zmwB46z2hnQk" style="text-align: right" title="Receivables pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Initial principal">230,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zw9gDvVCXTX8" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zL4QXMFF5MXf" style="text-align: right" title="Outstanding principal">20,222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zFP57iT21y1h" title="Weighted average contractual debt interest rate">0.00</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2018-D</td><td> </td> <td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDEp_zYcAx07c4Xbc" style="text-align: right" title="Final Scheduled Payment Date">June 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDIp_z4OsP7UPWJF3" style="text-align: right" title="Receivables pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Initial principal">233,730</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_z9ZqOPQxZUB9" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_z1l6EPyyjrFb" style="text-align: right" title="Outstanding principal">25,563</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_zPvjWFWGzDwi" title="Weighted average contractual debt interest rate">0.00</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-A</td><td> </td> <td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDEp_zacPHKK73Y27" style="text-align: right" title="Final Scheduled Payment Date">March 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDIp_zbfKHrMEAWQ5" style="text-align: right" title="Receivables pledged at end of period">21,838</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Initial principal">254,400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_z8QhY1ehEwBf" style="text-align: right" title="Outstanding principal">16,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_z9yvqwwSquY9" style="text-align: right" title="Outstanding principal">32,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_zISxZxFfINce" title="Weighted average contractual debt interest rate">5.81</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-B</td><td> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDEp_zNQX5z1Sy75k" style="text-align: right" title="Final Scheduled Payment Date">June 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDIp_z5KxHBOEh9I7" style="text-align: right" title="Receivables pledged at end of period">24,211</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Initial principal">228,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zLpd6Equojna" style="text-align: right" title="Outstanding principal">19,935</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zcNwPcMELYM3" style="text-align: right" title="Outstanding principal">33,897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zmtCzkBaDfeg" title="Weighted average contractual debt interest rate">5.82</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-C</td><td> </td> <td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDEp_zIgJE1iX8Zn8" style="text-align: right" title="Final Scheduled Payment Date">September 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDIp_zD45KCXcGdj" style="text-align: right" title="Receivables pledged at end of period">29,160</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Initial principal">243,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zl87Y4hzhhc7" style="text-align: right" title="Outstanding principal">24,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zCK5GXMKo2Bd" style="text-align: right" title="Outstanding principal">41,515</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zuDHFcYo3ni3" title="Weighted average contractual debt interest rate">4.90</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-D</td><td> </td> <td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDEp_zwiNwcQswSx9" style="text-align: right" title="Final Scheduled Payment Date">December 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDIp_zuYGK0PCpp7l" style="text-align: right" title="Receivables pledged at end of period">38,268</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Initial principal">274,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_z38uclauAnm1" style="text-align: right" title="Outstanding principal">33,693</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zTe8V7FcGD0l" style="text-align: right" title="Outstanding principal">53,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zRdURP6is6F3" title="Weighted average contractual debt interest rate">4.28</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-A</td><td> </td> <td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDEp_zIbApRSTLI0h" style="text-align: right" title="Final Scheduled Payment Date">March 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDIp_z9xKXAbITFQk" style="text-align: right" title="Receivables pledged at end of period">36,578</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pn3n3" style="text-align: right" title="Initial principal">260,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zNoeqy1pmew7" style="text-align: right" title="Outstanding principal">31,769</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zKxB8DbgT5Dk" style="text-align: right" title="Outstanding principal">52,705</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zK82V0zp6Okh" title="Weighted average contractual debt interest rate">4.67</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2020-B</td><td> </td> <td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDEp_zPtJwW0xQgkh" style="text-align: right" title="Final Scheduled Payment Date">June 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDIp_zXsvwYzwPhI6" style="text-align: right" title="Receivables pledged at end of period">42,170</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pn3n3" style="text-align: right" title="Initial principal">202,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zyrHfigS9ka" style="text-align: right" title="Outstanding principal">27,649</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zkVvAMckPcxh" style="text-align: right" title="Outstanding principal">41,736</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_905_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zE2KjMmhqrni" title="Weighted average contractual debt interest rate">6.88</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-C</td><td> </td> <td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zeuYQJ0fElPa" style="text-align: right" title="Final Scheduled Payment Date">November 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_z1z3gTN00Bjb" style="text-align: right" title="Receivables pledged at end of period">58,424</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="text-align: right" title="Initial principal">252,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zY39ryxded05" style="text-align: right" title="Outstanding principal">49,298</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_z3EvyWRx2EJa" style="text-align: right" title="Outstanding principal">72,894</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zdIb2tlT96p3" title="Weighted average contractual debt interest rate">3.81</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-A</td><td> </td> <td id="xdx_984_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDEp_z38aqJpfbjne" style="text-align: right" title="Final Scheduled Payment Date">March 2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDIp_zxSjtMeqdJz6" style="text-align: right" title="Receivables pledged at end of period">62,378</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_pn3n3" style="text-align: right" title="Initial principal">230,545</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zf5hfPxUgoNe" style="text-align: right" title="Outstanding principal">44,128</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zIH4OX26fFcb" style="text-align: right" title="Outstanding principal">72,076</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zC53OLwkHuT" title="Weighted average contractual debt interest rate">1.74</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-B</td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_z0kaFRc988Z8" style="text-align: right" title="Final Scheduled Payment Date">June 2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDIp_zDpN4N1RDSCh" style="text-align: right" title="Receivables pledged at end of period">78,721</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_pn3n3" style="text-align: right" title="Initial principal">240,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_z6A8pYGMkTWf" style="text-align: right" title="Outstanding principal">65,432</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zwRut1EcVtqj" style="text-align: right" title="Outstanding principal">101,206</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zoUxTPqp4Ukd" title="Weighted average contractual debt interest rate">2.31</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-C</td><td> </td> <td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_zesOg8mqqaAe" style="text-align: right" title="Final Scheduled Payment Date">September 2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDIp_zAZzxcUNvkO3" style="text-align: right" title="Receivables pledged at end of period">117,555</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Initial principal">291,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zT0rmFyGbraj" style="text-align: right" title="Outstanding principal">98,915</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Outstanding principal">147,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zSm0ylBAhUxe" title="Weighted average contractual debt interest rate">1.92</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-D</td><td> </td> <td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zc92FFiogXDk" style="text-align: right" title="Final Scheduled Payment Date">December 2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDIp_zUp7Td9gIkee" style="text-align: right" title="Receivables pledged at end of period">160,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Initial principal">349,202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Outstanding principal">143,583</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Outstanding principal">209,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zaori8OnTLR5" title="Weighted average contractual debt interest rate">2.36</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-A</td><td> </td> <td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zgK5ZEaHYugd" style="text-align: right" title="Final Scheduled Payment Date">April 2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDIp_z8MHTf62Clmi" style="text-align: right" title="Receivables pledged at end of period">177,253</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Initial principal">316,800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding principal">155,921</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding principal">222,613</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_z1bfQd658Ug6" title="Weighted average contractual debt interest rate">2.65</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-B</td><td> </td> <td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zmRusm0eYRbk" style="text-align: right" title="Final Scheduled Payment Date">October 2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDIp_zCn86CAjrm85" style="text-align: right" title="Receivables pledged at end of period">267,738</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Initial principal">395,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding principal">237,944</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding principal">325,907</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90A_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zky6pFB6ylz4" title="Weighted average contractual debt interest rate">4.64</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-C</td><td> </td> <td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_zR9oE4C6UK7c" style="text-align: right" title="Final Scheduled Payment Date">April 2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDIp_z6ZYqmW0tDw8" style="text-align: right" title="Receivables pledged at end of period">304,257</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Initial principal">391,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding principal">255,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding principal">346,714</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_z9LBDetzBBr2" title="Weighted average contractual debt interest rate">5.62</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-D</td><td> </td> <td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_ziKhgbmwrCb9" style="text-align: right" title="Final Scheduled Payment Date">June 2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDIp_z2A2WsQeDNs6" style="text-align: right" title="Receivables pledged at end of period">255,071</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Initial principal">307,018</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Outstanding principal">227,124</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Outstanding principal">292,461</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zYoq3emkqDte" title="Weighted average contractual debt interest rate">7.73</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-A</td><td> </td> <td id="xdx_988_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDEp_zYdfXpMieQtg" style="text-align: right" title="Final Scheduled Payment Date">August 2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDIp_z6iRcTTfPYfg" style="text-align: right" title="Receivables pledged at end of period">177,253</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Initial principal">324,768</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Outstanding principal">255,056</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_z4FvJtAbSVL9" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zLUjkh6GwS8a" title="Weighted average contractual debt interest rate">6.25</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-B</td><td> </td> <td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDEp_zJZJuwwCxzfj" style="text-align: right" title="Final Scheduled Payment Date">November 2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDIp_zZBVRYOEDfhk" style="text-align: right" title="Receivables pledged at end of period">267,738</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Initial principal">332,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Outstanding principal">293,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zTohaBCkc4q1" style="text-align: right" title="Outstanding principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_902_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zPHOUPcT2Fbf" title="Weighted average contractual debt interest rate">6.53</span></td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">CPS 2023-C</td><td style="padding-bottom: 1pt"> </td> <td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20230101__20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDEp_zVpZ9ETFAHwj" style="text-align: right; padding-bottom: 1pt" title="Final Scheduled Payment Date">February 2031</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDIp_zi1I5Rsjtnjc" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables pledged at end of period">304,257</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zG9RdudZphTd" style="border-bottom: Black 1pt solid; text-align: right" title="Initial principal">291,732</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zTXPG0nhh0na" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding principal">276,438</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_z7UfFf78mB0e" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding principal">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20230930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zI0mOrui0Qic" title="Weighted average contractual debt interest rate">6.61</span></td><td style="padding-bottom: 1pt; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: right; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20230930_fKDIp_zWT4M5cbh4Hi" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables pledged at end of period">2,423,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial principal">6,042,022</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20230930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding principal">2,257,832</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding principal">2,122,918</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="margin: 0pt 0; font-size: 10pt">_________________</p> <p style="margin: 0pt 0; font-size: 10pt"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><i id="xdx_F0B_zGfdaqbsYo4a">(1)</i></td><td style="text-align: justify"><i id="xdx_F1F_z7wSzgn4o1sg">The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_iI_pn5n6_c20230930_zVrRBrQPQRXc" title="Securitization trust debt, payable in 2023">201</span>.0 million in 2023, $<span id="xdx_907_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn5n6_c20230930_zjg5RBZrrlDi" title="Securitization trust debt, payable in 2024">844.3</span> million in 2024, $<span id="xdx_903_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn5n6_c20230930_zNIcEqMFYvTa" title="Securitization trust debt, payable in 2025">529.7</span> million in 2025, $<span id="xdx_900_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn5n6_c20230930_zIXEYcZRn9fa" title="Securitization trust debt, payable in 2026">317.1</span> million in 2026, $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn5n6_c20230930_zQEa6BuuuuL5" title="Securitization trust debt, payable in 2027">206.2</span> million in 2027, $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn6n6_c20230930_zcRksrHn31d4" title="Securitization trust debt, payable in 2028">119</span>.0 million in 2028, and $<span id="xdx_90E_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_pn6n6_c20230930_zp2J1ZjXS5Xd" title="Securitization trust debt, payable in 2029">26</span>.0 million in 2029.</i></td></tr> <tr style="vertical-align: top"> <td> </td><td> </td><td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><i id="xdx_F01_z8ZOHfh6ye1">(2)</i></td><td style="text-align: left"><i id="xdx_F1F_zKuDOZHGskk5">Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.</i></td></tr></table> March 2025 0 190000000 0 12939000 0 December 2024 0 201823000 0 17077000 0 September 2025 0 230275000 0 20222000 0.0000 June 2025 0 233730000 0 25563000 0.0000 March 2026 21838000 254400000 16739000 32898000 0.0581 June 2026 24211000 228275000 19935000 33897000 0.0582 September 2026 29160000 243513000 24635000 41515000 0.0490 December 2026 38268000 274313000 33693000 53625000 0.0428 March 2027 36578000 260000000 31769000 52705000 0.0467 June 2027 42170000 202343000 27649000 41736000 0.0688 November 2027 58424000 252200000 49298000 72894000 0.0381 March 2028 62378000 230545000 44128000 72076000 0.0174 June 2028 78721000 240000000 65432000 101206000 0.0231 September 2028 117555000 291000000 98915000 147593000 0.0192 December 2028 160217000 349202000 143583000 209277000 0.0236 April 2029 177253000 316800000 155921000 222613000 0.0265 October 2029 267738000 395600000 237944000 325907000 0.0464 April 2030 304257000 391600000 255748000 346714000 0.0562 June 2030 255071000 307018000 227124000 292461000 0.0773 August 2030 177253000 324768000 255056000 0 0.0625 November 2030 267738000 332885000 293825000 0 0.0653 February 2031 304257000 291732000 276438000 0 0.0661 2423087000 6042022000 2257832000 2122918000 201000000 844300000 529700000 317100000 206200000 119000000 26000000 14500000 14200000 142100000 <p id="xdx_80C_eus-gaap--DebtDisclosureTextBlock_zhHBIQhyJFl6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(4) <i><span id="xdx_824_zcNBK4ow3qWi">Debt</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The terms and amounts of our other debt outstanding at September 30, 2023 and December 31, 2022 are summarized below:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ScheduleOfDebtTableTextBlock_zdRKCEYS23Ig" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Debt (Details - Debt outstanding)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BF_zaKKBJtbuicb" style="display: none">Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="6" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Amount Outstanding at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">September 30,</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">December 31,</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="6" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">(In thousands)</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-size: 9pt">Description</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-size: 9pt">Interest Rate</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><span style="font-size: 9pt">Maturity</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 22%; text-align: left"><span style="font-size: 9pt">Warehouse lines of credit</span></td><td style="width: 1%"><span style="font-size: 9pt"> </span></td> <td style="width: 23%; text-align: center"><span style="font-size: 9pt"><span id="xdx_905_eus-gaap--DebtInstrumentInterestRateTerms_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z6hvnvH5IRT5" title="Interest rate">3.00% over one month Libor (Minimum 3.75%) 8.59% and 7.48% at September 30, 2023 and December 31, 2022, respectively</span></span></td><td style="width: 1%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 23%; text-align: center"><span style="font-size: 9pt"><span id="xdx_90D_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z9BQlMvoUgzb" title="Maturity date description">July 2024</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 1%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zTan0cjSHqok" style="width: 11%; text-align: right" title="Warehouse lines of credit"><span style="font-size: 9pt">163,462</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 1%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_981_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z1lfnYURNe2a" style="width: 11%; text-align: right" title="Warehouse lines of credit"><span style="font-size: 9pt">150,293</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: center"><span style="font-size: 9pt"><span id="xdx_90C_eus-gaap--DebtInstrumentInterestRateTerms_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z8fU8cPG4W3j" title="Interest rate">4.15% over a commercial paper rate (Minimum 5.15%) 9.60% and 8.60% at September 30, 2023, and December 31, 2022, respectively</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: center"><span style="font-size: 9pt"><span id="xdx_90C_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z2JjNfUawu17" title="Maturity date description">January 2024</span></span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zVTkN2Z7YU52" style="text-align: right" title="Warehouse lines of credit"><span style="font-size: 9pt">78,009</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zAmzqUp4i5zc" style="text-align: right" title="Warehouse lines of credit"><span style="font-size: 9pt">137,585</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left"><span style="font-size: 9pt">Residual interest financing</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: center"><span style="font-size: 9pt"><span id="xdx_909_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zfXCCDJB2N69" title="Interest rate">7.86</span>%</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: center"><span style="font-size: 9pt"><span id="xdx_905_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zx5hijIeKu4h" title="Maturity date description">June 2026</span></span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_ecustom--ResidualInterestFinancing_iI_pn3n3_c20230930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_z8RkYOjNzqCa" style="text-align: right" title="Residual interest financing"><span style="font-size: 9pt">50,000</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_ecustom--ResidualInterestFinancing_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zsEtz8qAkDUd" style="text-align: right" title="Residual interest financing"><span style="font-size: 9pt">50,000</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt">Subordinated renewable notes</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 1pt; text-align: center"><span style="font-size: 9pt"><span id="xdx_90D_eus-gaap--DebtInstrumentInterestRateTerms_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zCByBvSCx9Jl" title="Interest rate">Weighted average rate of 8.16% and 7.82% at September 30, 2023 and December 31, 2022, respectively</span></span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt; text-align: center"><span style="font-size: 9pt"><span id="xdx_909_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zs3J4gpZEjpd" title="Maturity date description">Weighted average maturity of July 2025 and October 2024 at September 30, 2023 and December 31, 2022, respectively</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_eus-gaap--SubordinatedDebt_iI_pn3n3_c20230930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zY7so0T4dSKc" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes"><span style="font-size: 9pt">19,163</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--SubordinatedDebt_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zqv2s6ZCjrRi" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes"><span style="font-size: 9pt">25,263</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: right"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_981_eus-gaap--DebtLongtermAndShorttermCombinedAmount_iI_pn3n3_c20230930_zC6uDwl9vb93" style="border-bottom: Black 2.5pt double; text-align: right" title="Debt outstanding"><span style="font-size: 9pt">310,634</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_985_eus-gaap--DebtLongtermAndShorttermCombinedAmount_iI_pn3n3_c20221231_zdRFYLxxH3J7" style="border-bottom: Black 2.5pt double; text-align: right" title="Debt outstanding"><span style="font-size: 9pt">363,141</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">On February 2, 2022, we renewed our two-year revolving credit agreement with Ares Agent Services, L.P. There was $<span id="xdx_909_eus-gaap--LineOfCreditFacilityAverageOutstandingAmount_pn5n6_c20230101__20230930__us-gaap--DebtInstrumentAxis__custom--AresAgentServicesLPMember_zUOQL5NVRjF4" title="Line of credit outstanding facility amount">163.5</span> million outstanding under this facility at September 30, 2023. On June 28, 2022, we increased the capacity of its credit agreement with Ares Agent Services, L.P. from $<span id="xdx_90A_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn6n6_c20220628__srt--RangeAxis__srt--MinimumMember__us-gaap--DebtInstrumentAxis__custom--AresAgentServicesLPMember_zRSxHDTXE3se" title="Line of credit amount">100</span> million to $<span id="xdx_907_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn6n6_c20220628__srt--RangeAxis__srt--MaximumMember__us-gaap--DebtInstrumentAxis__custom--AresAgentServicesLPMember_zWX0YYFcgyfl" title="Line of credit amount">200</span> million. The revolving period for this facility was extended to January 2024 followed by an amortization period through January 2028 for any receivables pledged at the end of the revolving period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">On July 15, 2022, we renewed our two-year revolving credit agreement with Citibank, N.A., and doubled the capacity from $<span id="xdx_906_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn6n6_c20220715__srt--RangeAxis__srt--MinimumMember__us-gaap--DebtInstrumentAxis__custom--CitibankNAMember_zRc6t0RusM8k" title="Line of credit amount">100</span> million to $<span id="xdx_90D_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn6n6_c20220715__srt--RangeAxis__srt--MaximumMember__us-gaap--DebtInstrumentAxis__custom--CitibankNAMember_zW9cNRFuxkfe" title="Line of credit amount">200</span> million. There was $<span id="xdx_900_eus-gaap--LineOfCreditFacilityAverageOutstandingAmount_pn6n6_c20230101__20230930__us-gaap--DebtInstrumentAxis__custom--CitibankNAMember_zUgxscJ2vLY8" title="Line of credit outstanding facility amount">78.0</span> million outstanding under this facility at September 30, 2023. The revolving period for this facility was extended to July 2024 followed by an amortization period through July 2025 for any receivables pledged at the end of the revolving period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Unamortized debt issuance costs of $<span id="xdx_904_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_c20230930_zBLJyic3Iv99" title="Unamortized debt issuance costs">188,000</span> and $<span id="xdx_907_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_c20221231_zopzVkgC1Jj2" title="Unamortized debt issuance costs">377,000</span> as of September 30, 2023 and December 31, 2022, respectively, have been excluded from the amount reported above for residual interest financing. Similarly, unamortized debt issuance costs of $<span id="xdx_90A_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn5n6_c20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zt5xToX66Wi" title="Unamortized debt issuance costs">1.1</span> million and $<span id="xdx_900_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn5n6_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zJDlEEV1oXL" title="Unamortized debt issuance costs">2.6</span> million as of September 30, 2023 and December 31, 2022, respectively, have been excluded from the Warehouse lines of credit amounts in the table above. These debt issuance costs are presented as a direct deduction to the carrying amount of the debt on our Unaudited Condensed Consolidated Balance Sheets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ScheduleOfDebtTableTextBlock_zdRKCEYS23Ig" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Debt (Details - Debt outstanding)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BF_zaKKBJtbuicb" style="display: none">Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="6" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Amount Outstanding at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">September 30,</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">December 31,</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="6" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">(In thousands)</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-size: 9pt">Description</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-size: 9pt">Interest Rate</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><span style="font-size: 9pt">Maturity</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 22%; text-align: left"><span style="font-size: 9pt">Warehouse lines of credit</span></td><td style="width: 1%"><span style="font-size: 9pt"> </span></td> <td style="width: 23%; text-align: center"><span style="font-size: 9pt"><span id="xdx_905_eus-gaap--DebtInstrumentInterestRateTerms_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z6hvnvH5IRT5" title="Interest rate">3.00% over one month Libor (Minimum 3.75%) 8.59% and 7.48% at September 30, 2023 and December 31, 2022, respectively</span></span></td><td style="width: 1%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 23%; text-align: center"><span style="font-size: 9pt"><span id="xdx_90D_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z9BQlMvoUgzb" title="Maturity date description">July 2024</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 1%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zTan0cjSHqok" style="width: 11%; text-align: right" title="Warehouse lines of credit"><span style="font-size: 9pt">163,462</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 1%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_981_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z1lfnYURNe2a" style="width: 11%; text-align: right" title="Warehouse lines of credit"><span style="font-size: 9pt">150,293</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: center"><span style="font-size: 9pt"><span id="xdx_90C_eus-gaap--DebtInstrumentInterestRateTerms_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z8fU8cPG4W3j" title="Interest rate">4.15% over a commercial paper rate (Minimum 5.15%) 9.60% and 8.60% at September 30, 2023, and December 31, 2022, respectively</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: center"><span style="font-size: 9pt"><span id="xdx_90C_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z2JjNfUawu17" title="Maturity date description">January 2024</span></span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20230930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zVTkN2Z7YU52" style="text-align: right" title="Warehouse lines of credit"><span style="font-size: 9pt">78,009</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zAmzqUp4i5zc" style="text-align: right" title="Warehouse lines of credit"><span style="font-size: 9pt">137,585</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left"><span style="font-size: 9pt">Residual interest financing</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: center"><span style="font-size: 9pt"><span id="xdx_909_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zfXCCDJB2N69" title="Interest rate">7.86</span>%</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: center"><span style="font-size: 9pt"><span id="xdx_905_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zx5hijIeKu4h" title="Maturity date description">June 2026</span></span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_ecustom--ResidualInterestFinancing_iI_pn3n3_c20230930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_z8RkYOjNzqCa" style="text-align: right" title="Residual interest financing"><span style="font-size: 9pt">50,000</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_ecustom--ResidualInterestFinancing_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zsEtz8qAkDUd" style="text-align: right" title="Residual interest financing"><span style="font-size: 9pt">50,000</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt">Subordinated renewable notes</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 1pt; text-align: center"><span style="font-size: 9pt"><span id="xdx_90D_eus-gaap--DebtInstrumentInterestRateTerms_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zCByBvSCx9Jl" title="Interest rate">Weighted average rate of 8.16% and 7.82% at September 30, 2023 and December 31, 2022, respectively</span></span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt; text-align: center"><span style="font-size: 9pt"><span id="xdx_909_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20230930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zs3J4gpZEjpd" title="Maturity date description">Weighted average maturity of July 2025 and October 2024 at September 30, 2023 and December 31, 2022, respectively</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_eus-gaap--SubordinatedDebt_iI_pn3n3_c20230930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zY7so0T4dSKc" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes"><span style="font-size: 9pt">19,163</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--SubordinatedDebt_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zqv2s6ZCjrRi" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes"><span style="font-size: 9pt">25,263</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"> </span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: right"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_981_eus-gaap--DebtLongtermAndShorttermCombinedAmount_iI_pn3n3_c20230930_zC6uDwl9vb93" style="border-bottom: Black 2.5pt double; text-align: right" title="Debt outstanding"><span style="font-size: 9pt">310,634</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_985_eus-gaap--DebtLongtermAndShorttermCombinedAmount_iI_pn3n3_c20221231_zdRFYLxxH3J7" style="border-bottom: Black 2.5pt double; text-align: right" title="Debt outstanding"><span style="font-size: 9pt">363,141</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td></tr> </table> 3.00% over one month Libor (Minimum 3.75%) 8.59% and 7.48% at September 30, 2023 and December 31, 2022, respectively July 2024 163462000 150293000 4.15% over a commercial paper rate (Minimum 5.15%) 9.60% and 8.60% at September 30, 2023, and December 31, 2022, respectively January 2024 78009000 137585000 0.0786 June 2026 50000000 50000000 Weighted average rate of 8.16% and 7.82% at September 30, 2023 and December 31, 2022, respectively Weighted average maturity of July 2025 and October 2024 at September 30, 2023 and December 31, 2022, respectively 19163000 25263000 310634000 363141000 163500000 100000000 200000000 100000000 200000000 78000000.0 188000 377000 1100000 2600000 <p id="xdx_80D_ecustom--InterestIncomeAndInterestExpensesDisclosureTextBlock_zocjLL8Typ08" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><b>(5) <i><span id="xdx_821_zdQUAt6LH8Hl">Interest Income and Interest Expense</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the components of interest income:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zdGz5a8OX7Ka" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B2_ziPbkD9PQfc6" style="display: none">Schedule of interest income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20230701__20230930_z8F09j4swJE6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20220701__20220930_zurqQ5wFJodc" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20230101__20230930_zY5TTaVW7il" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20220101__20220930_zWp1b0EIFkBa" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--InvestmentIncomeNet_pn3n3_zCAmHBXX01Hg" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Interest on finance receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">3,769</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,620</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">12,809</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">28,766</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_z4Mplu2s3xzb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">77,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">71,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">228,641</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196,204</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndOtherIncome_pn3n3_zhizyvTovrZ6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,644</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">463</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,510</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">577</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_zS3Q5lpuiiB7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">83,261</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">79,817</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">245,960</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">225,547</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the components of interest expense:</p> <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zgBg8s9KNvOj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B2_z9UyaHR4mxca" style="display: none">Schedule of interest expense</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Securitization trust debt</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20230701__20230930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zzkPENrdvaB" style="width: 11%; text-align: right" title="Total interest expense">31,734</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--InterestExpense_pn3n3_c20220701__20220930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zGra2FbuFXwa" style="width: 11%; text-align: right" title="Total interest expense">18,519</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z4o4GlI0IR8i" style="width: 11%; text-align: right" title="Total interest expense">87,258</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--InterestExpense_pn3n3_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zRojwBggX8o6" style="width: 11%; text-align: right" title="Total interest expense">47,792</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--InterestExpense_pn3n3_c20230701__20230930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zwPwcRDZP51f" style="text-align: right" title="Total interest expense">4,665</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20220701__20220930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zzvuJfosV3Zb" style="text-align: right" title="Total interest expense">3,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--InterestExpense_pn3n3_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zAzKkY7VL82g" style="text-align: right" title="Total interest expense">14,521</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--InterestExpense_pn3n3_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zougDMTp1114" style="text-align: right" title="Total interest expense">5,887</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--InterestExpense_pn3n3_c20230701__20230930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zcgXQTyYlyB" style="text-align: right" title="Total interest expense">1,050</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20220701__20220930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zR4r97nU3BT3" style="text-align: right" title="Total interest expense">1,050</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zx8sribKWOz9" style="text-align: right" title="Total interest expense">3,149</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zsIuOf3JHY67" style="text-align: right" title="Total interest expense">3,193</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20230701__20230930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zQhh1L8vl1Z" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">440</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20220701__20220930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zddrrZTRyAu2" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">572</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--InterestExpense_pn3n3_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zpMy0MZBJcvl" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">1,426</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--InterestExpense_pn3n3_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zJOnh9fTwGi8" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">1,782</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Interest expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--InterestExpense_pn3n3_c20230701__20230930_zEVK30ZeM474" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">37,889</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--InterestExpense_pn3n3_c20220701__20220930_zErtQZhvmpWf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">23,483</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20230101__20230930_zg3kTNn9gaFc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">106,354</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--InterestExpense_pn3n3_c20220101__20220930_zb6rQTtuLTIa" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">58,654</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zdGz5a8OX7Ka" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B2_ziPbkD9PQfc6" style="display: none">Schedule of interest income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20230701__20230930_z8F09j4swJE6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20220701__20220930_zurqQ5wFJodc" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20230101__20230930_zY5TTaVW7il" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20220101__20220930_zWp1b0EIFkBa" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--InvestmentIncomeNet_pn3n3_zCAmHBXX01Hg" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Interest on finance receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">3,769</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,620</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">12,809</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">28,766</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_z4Mplu2s3xzb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">77,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">71,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">228,641</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196,204</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndOtherIncome_pn3n3_zhizyvTovrZ6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,644</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">463</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,510</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">577</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_zS3Q5lpuiiB7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">83,261</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">79,817</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">245,960</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">225,547</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 3769000 7620000 12809000 28766000 77848000 71734000 228641000 196204000 1644000 463000 4510000 577000 83261000 79817000 245960000 225547000 <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zgBg8s9KNvOj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B2_z9UyaHR4mxca" style="display: none">Schedule of interest expense</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Securitization trust debt</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20230701__20230930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zzkPENrdvaB" style="width: 11%; text-align: right" title="Total interest expense">31,734</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--InterestExpense_pn3n3_c20220701__20220930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zGra2FbuFXwa" style="width: 11%; text-align: right" title="Total interest expense">18,519</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z4o4GlI0IR8i" style="width: 11%; text-align: right" title="Total interest expense">87,258</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--InterestExpense_pn3n3_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zRojwBggX8o6" style="width: 11%; text-align: right" title="Total interest expense">47,792</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--InterestExpense_pn3n3_c20230701__20230930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zwPwcRDZP51f" style="text-align: right" title="Total interest expense">4,665</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20220701__20220930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zzvuJfosV3Zb" style="text-align: right" title="Total interest expense">3,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--InterestExpense_pn3n3_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zAzKkY7VL82g" style="text-align: right" title="Total interest expense">14,521</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--InterestExpense_pn3n3_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zougDMTp1114" style="text-align: right" title="Total interest expense">5,887</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--InterestExpense_pn3n3_c20230701__20230930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zcgXQTyYlyB" style="text-align: right" title="Total interest expense">1,050</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20220701__20220930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zR4r97nU3BT3" style="text-align: right" title="Total interest expense">1,050</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zx8sribKWOz9" style="text-align: right" title="Total interest expense">3,149</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zsIuOf3JHY67" style="text-align: right" title="Total interest expense">3,193</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20230701__20230930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zQhh1L8vl1Z" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">440</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20220701__20220930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zddrrZTRyAu2" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">572</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--InterestExpense_pn3n3_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zpMy0MZBJcvl" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">1,426</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--InterestExpense_pn3n3_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zJOnh9fTwGi8" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">1,782</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Interest expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--InterestExpense_pn3n3_c20230701__20230930_zEVK30ZeM474" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">37,889</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--InterestExpense_pn3n3_c20220701__20220930_zErtQZhvmpWf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">23,483</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20230101__20230930_zg3kTNn9gaFc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">106,354</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--InterestExpense_pn3n3_c20220101__20220930_zb6rQTtuLTIa" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">58,654</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 31734000 18519000 87258000 47792000 4665000 3342000 14521000 5887000 1050000 1050000 3149000 3193000 440000 572000 1426000 1782000 37889000 23483000 106354000 58654000 <p id="xdx_806_eus-gaap--EarningsPerShareTextBlock_zp0eQxtfeqaf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(6) <i><span id="xdx_827_zY2wL7fOFVN5">Earnings Per Share</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Earnings per share for the three-month and nine-month periods ended September 30, 2023 and 2022 were calculated using the weighted average number of shares outstanding for the related period. The following table reconciles the number of shares used in the computations of basic and diluted earnings per share for the three-month and nine-month periods ended September 30, 2023 and 2022:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <table cellpadding="0" cellspacing="0" id="xdx_888_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_zdWGUK7rUS15" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Earnings Per Share (Details - Earnings Per Share)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zscEdTTsiCCc" style="display: none">Schedule of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20230701__20230930_zO9Wvn75Cuw4" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20220701__20220930_zrMxppgCtekc" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20230101__20230930_z445Q3tT7Pnf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20220101__20220930_z9wiI4sQWy1l" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_z2VLGKTW9JC3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; padding-bottom: 2.5pt; width: 44%">Weighted average number of common shares outstanding during the period used to compute basic earnings per share</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,154</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">20,911</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">20,815</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,166</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_zfSUGSKUUqs4" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; padding-bottom: 2.5pt">Incremental common shares attributable to exercise of outstanding options and warrants</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,064</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,743</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,516</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,346</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_pn3n3_zd6I9hPCTHc5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; padding-bottom: 2.5pt">Weighted average number of common shares used to compute diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">25,218</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">26,654</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">25,331</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">27,512</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">If the anti-dilutive effects of common stock equivalents were considered, shares included in the diluted earnings per share calculation for the three-month and nine-month periods ended September 30, 2023 would have included an additional <span id="xdx_900_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn3n3_dm_c20230701__20230930_zGK2T1gnmxvf" title="Antidilutive shares">1.5</span> million and <span id="xdx_900_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn3n3_dm_c20230101__20230930_zHJyPDFZMuu3" title="Antidilutive shares">1.5</span> million shares, respectively, attributable to the exercise of outstanding options and warrants. For the three-month and nine-month periods ended September 30, 2022, <span id="xdx_902_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn3n3_dm_c20220701__20220930_zgrwo0HysW8k" title="Antidilutive shares">1.7</span> million and <span id="xdx_901_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn3n3_dm_c20220101__20220930_zYxJPV6kcln6" title="Antidilutive shares">1</span>.0 million shares, respectively, would be included in the diluted earnings per share calculation.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_888_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_zdWGUK7rUS15" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Earnings Per Share (Details - Earnings Per Share)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zscEdTTsiCCc" style="display: none">Schedule of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20230701__20230930_zO9Wvn75Cuw4" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20220701__20220930_zrMxppgCtekc" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20230101__20230930_z445Q3tT7Pnf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20220101__20220930_z9wiI4sQWy1l" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_z2VLGKTW9JC3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; padding-bottom: 2.5pt; width: 44%">Weighted average number of common shares outstanding during the period used to compute basic earnings per share</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,154</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">20,911</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">20,815</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,166</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_zfSUGSKUUqs4" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; padding-bottom: 2.5pt">Incremental common shares attributable to exercise of outstanding options and warrants</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,064</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,743</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,516</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,346</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_pn3n3_zd6I9hPCTHc5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; padding-bottom: 2.5pt">Weighted average number of common shares used to compute diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">25,218</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">26,654</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">25,331</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">27,512</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 21154000 20911000 20815000 21166000 4064000 5743000 4516000 6346000 25218000 26654000 25331000 27512000 1500000 1500000 1700000 1000000 <p id="xdx_80F_eus-gaap--IncomeTaxDisclosureTextBlock_zCItE7xN48o7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(7) <i><span id="xdx_82D_zqLSF4GMbMR4">Income Taxes</span> </i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We file numerous consolidated and separate income tax returns with the United States and with many states. With few exceptions, we are no longer subject to U.S. federal, state, or local examinations by tax authorities for years before 2015.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">As of September 30, 2023, and December 31, 2022, we had no unrecognized tax benefits for uncertain tax positions. We do not anticipate that total unrecognized tax benefits will significantly change due to any settlements of audits or expirations of statutes of limitations over the next 12 months.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The Company and its subsidiaries file a consolidated federal income tax return and combined or stand-alone state franchise tax returns for certain states. We utilize the asset and liability method of accounting for income taxes, under which deferred income taxes are recognized for the future tax consequences attributable to the differences between the financial statement values of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. A valuation allowance is recognized for a deferred tax asset if, based on the weight of the available evidence, it is more likely than not that some portion of the deferred tax asset will not be realized. In making such judgments, significant weight is given to evidence that can be objectively verified. Although realization is not assured, we believe that the realization of the recognized net deferred tax asset of $<span id="xdx_905_eus-gaap--DeferredTaxAssetsNet_iI_pn5n6_c20230930_zwGbHYCbwGK6" title="Net deferred tax asset">5.8</span> million as of September 30, 2023 is more likely than not based on forecasted future net earnings. Our net deferred tax asset of $5.8 million consists of approximately $<span id="xdx_90F_eus-gaap--DeferredTaxAssetsNet_iI_pn5n6_c20230930__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_zYGF3y6XWiig" title="Net deferred tax asset">3.5</span> million of net U.S. federal deferred tax assets and $<span id="xdx_907_eus-gaap--DeferredTaxAssetsNet_iI_pn5n6_c20230930__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_zmqXnlYtFFD" title="Net deferred tax asset">2.3</span> million of net state deferred tax assets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Income tax expense was $<span id="xdx_900_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20230701__20230930_zS7WepLAfq55" title="Current income tax expense">3.8</span> million and $<span id="xdx_90D_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20230101__20230930_z3E0a0iXMrci" title="Current income tax expense">13.1</span> million for the three months and nine months ended September 30, 2023, representing effective income tax rates of <span id="xdx_903_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20230701__20230930_zKl5lz7n7qRd" title="Effective income tax rate reconciliation, percent">27</span>% and <span id="xdx_909_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20230101__20230930_zwtDx4wbVAU5" title="Effective income tax rate reconciliation, percent">26</span>% respectively, compared to income tax expense of $<span id="xdx_90B_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20220701__20220930_zoSRn2JPJ3fi" title="Current income tax expense">8.9</span> million and $<span id="xdx_90A_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20220101__20220930_z4vj186FI5Kf" title="Current income tax expense">26.0</span> million for the three months and nine months ended September 30, 2022, and represents an effective income tax rates of <span id="xdx_907_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20220701__20220930_ziDh4wMwoXjb" title="Effective income tax rate reconciliation, percent">26</span>% and <span id="xdx_903_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20220101__20220930_zxIjVRBkA79" title="Effective income tax rate reconciliation, percent">27</span>% respectively.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 5800000 3500000 2300000 3800000 13100000 0.27 0.26 8900000 26000000.0 0.26 0.27 <p id="xdx_80A_eus-gaap--LegalMattersAndContingenciesTextBlock_zwnacQwzQ84j" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><b>(8) <i><span id="xdx_826_z3AUB17jpzXl">Legal Proceedings</span> </i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><i>Consumer Litigation.</i> We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Consumers can and do initiate lawsuits against us alleging violations of law applicable to collection of receivables, and such lawsuits sometimes allege that resolution as a class action is appropriate. For the most part, we have legal and factual defenses to consumer claims, which we routinely contest or settle (for immaterial amounts) depending on the particular circumstances of each case.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Following our filing of a complaint for a deficiency judgment in the Superior Court at Waterbury, Connecticut, the defendant filed a cross-claim on October 16, 2019 alleging that our deficiency notices were not compliant with Connecticut law, and seeking relief on behalf of a class of Connecticut obligors whose vehicles we had repossessed. The complaint seeks primarily damages, injunctive relief, waiver of contract deficiencies, and attorney fees and interest. The defendant’s contract provided for resolution of disputes exclusively by arbitration, and exclusively on an individual basis, not a class basis. Nevertheless, in August 2021, the court denied our motion to compel arbitration, without opinion. In April 2022, a motion for certification of a class was filed but has not been ruled upon. It is reasonable to expect that resolution of these claims will be on a class basis.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><i>Wage and Hour Claim.</i> On September 24, 2018, a former employee filed a lawsuit against us in the Superior Court of Orange County, California, alleging that we incorrectly classified our sales representatives as outside salespersons exempt from overtime wages, mandatory break periods and certain other employee protective provisions of California and federal law. The complaint seeks injunctive relief, an award of unpaid wages, liquidated damages, and attorney fees and interest. The plaintiff purports to act on behalf of a class of similarly situated employees and ex-employees. We believe that our compensation practices with respect to our sales representatives are compliant with applicable law. In August 2023, the parties settled by agreement the claims of the plaintiff and a California settlement class and the settlement remains subject to final court approval.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><i>Massachusetts Civil Investigative Demand</i>. In September 2021, we received a civil investigative demand from the Office of the Attorney General of the Commonwealth of Massachusetts relating to the Company’s communications with and repossession notices sent to Massachusetts customers. We are cooperating with the inquiry.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><i>In General.</i> There can be no assurance as to the outcomes of the matters described or referenced above. We record at each measurement date, most recently as of September 30, 2023, our best estimate of probable incurred losses for legal contingencies, including the matters identified above. The amount of losses that may ultimately be incurred cannot be estimated with certainty. However, based on such information as is available to us, we believe that the total of probable incurred losses for legal contingencies as of September 30, 2023 is $<span id="xdx_900_ecustom--ProbableLossesForLegalContingencies_iI_pn5n6_c20230930_zvI0xN7oYeM9" title="Probable losses for legal contingencies">3.8</span> million, and that the range of reasonably possible losses for the legal proceedings and contingencies we face, including those described or identified above, as of September 30, 2023 does not exceed $<span id="xdx_900_ecustom--MaximumPossibleLossesForLegalProceedingsAndContingencies_iI_pn5n6_c20230930_zVOnv90cQzqh" title="Maximum possible losses for legal proceedings and contingencies">7.3</span> million.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Accordingly, we believe that the ultimate resolution of such legal proceedings and contingencies should not have a material adverse effect on our consolidated financial condition. We note, however, that in light of the uncertainties inherent in contested proceedings there can be no assurance that the ultimate resolution of these matters will not be material to our operating results for a particular period, depending on, among other factors, the size of the loss or liability imposed and the level of our income for that period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 3800000 7300000 <p id="xdx_805_eus-gaap--FairValueMeasurementInputsDisclosureTextBlock_zRuuC3zrDdni" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(9) <span id="xdx_82A_zrNtWp1g32U2">Fair Value Measurements</span></p> <p style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">ASC 820, "Fair Value Measurements" clarifies the principle that fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. Under the standard, fair value measurements would be separately disclosed by level within the fair value hierarchy.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">ASC 820 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The three levels are defined as follows: level 1 - inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets; level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Effective January 2018 we have elected to use the fair value method to value our portfolio of finance receivables acquired in January 2018 and thereafter.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our valuation policies and procedures have been developed by our Accounting department in conjunction with our Risk department and with consultation with outside valuation experts. Our policies and procedures have been approved by our Chief Executive and our Board of Directors and include methodologies for valuation, internal reporting, calibration and back testing. Our periodic review of valuations includes an analysis of changes in fair value measurements and documentation of the reasons for such changes. There is little available third-party information such as broker quotes or pricing services available to assist us in our valuation process.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our level 3, unobservable inputs reflect our own assumptions about the factors that market participants use in pricing similar receivables and are based on the best information available in the circumstances. They include such inputs as estimates for the magnitude and timing of net charge-offs and the rate of amortization of the portfolio of finance receivable. Significant changes in any of those inputs in isolation would have a significant effect on our fair value measurement.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">For the quarter ended September 30, 2023, the Company evaluated the appropriate fair value and future earnings rate of existing receivables compared to recently acquired receivables and our assessment of potential additional future net losses on the portfolio of finance receivables carried at fair value and did not record a mark down to that portfolio.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The table below presents a reconciliation of the finance receivables measured at fair value on a recurring basis using significant unobservable inputs:</p> <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zY5ste3Hb3yd" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Reconciliation of Finance Receivables)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B9_z06spXRZ6kJc" style="display: none">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%">Balance at beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20230701__20230930_zTOsGAYzUPJa" style="width: 11%; text-align: right" title="Balance at beginning of period">2,618,420</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20220701__20220930_zn9PzgX6aNVj" style="width: 11%; text-align: right" title="Balance at beginning of period">2,174,133</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20230101__20230930_zwkAfV4NtjQ4" style="width: 11%; text-align: right" title="Balance at beginning of period">2,476,617</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20220101__20220930_zaRZuIbK8od5" style="width: 11%; text-align: right" title="Balance at beginning of period">1,749,098</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables at fair value acquired during period</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20230701__20230930_zl7rrVQeMnH4" style="text-align: right" title="Finance receivables at fair value acquired during period">300,539</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20220701__20220930_zZI5OQT58hQ9" style="text-align: right" title="Finance receivables at fair value acquired during period">407,260</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20230101__20230930_zqdWTGj0MkV6" style="text-align: right" title="Finance receivables at fair value acquired during period">958,587</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20220101__20220930_zrsAgrxHLaNe" style="text-align: right" title="Finance receivables at fair value acquired during period">1,311,735</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Payments received on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20230701__20230930_zYLK1CCKAEd4" style="text-align: right" title="Payments received on finance receivables at fair value">(203,775</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20220701__20220930_zUyhDt43TuJg" style="text-align: right" title="Payments received on finance receivables at fair value">(209,627</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20230101__20230930_zy2026ypKqwj" style="text-align: right" title="Payments received on finance receivables at fair value">(625,715</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20220101__20220930_zCQOcdC3ZLs8" style="text-align: right" title="Payments received on finance receivables at fair value">(635,401</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net interest income accretion on fair value receivables</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_pn3n3_c20230701__20230930_zuFlh5IN6Sh4" style="text-align: right" title="Net interest income accretion on fair value receivables">(49,644</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_pn3n3_c20220701__20220930_z2hq0nlvvBe8" style="text-align: right" title="Net interest income accretion on fair value receivables">(36,696</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_pn3n3_c20230101__20230930_zqQl6GxXUIZ2" style="text-align: right" title="Net interest income accretion on fair value receivables">(143,949</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_pn3n3_c20220101__20220930_zCEfiRemUN51" style="text-align: right" title="Net interest income accretion on fair value receivables">(97,462</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Mark to fair value</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--MarkToFairValue_pn3n3_c20230701__20230930_zC0NTVFPGrb6" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">6,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_ecustom--MarkToFairValue_pn3n3_c20220701__20220930_zvDq9F2qoW95" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">8,183</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--MarkToFairValue_pn3n3_d0_c20230101__20230930_zibvLCl7sPCl" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">6,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--MarkToFairValue_pn3n3_c20220101__20220930_ziWwki85wYHa" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">15,283</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20230701__20230930_zCDL12XPoJu7" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,671,540</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20220701__20220930_zXktUC033qsk" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,343,253</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20230101__20230930_zj4T0JXQjsNe" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,671,540</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20220101__20220930_zQ8hsrhxm0x8" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,343,253</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A3_zuan3Vrq3QK5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The table below compares the fair values of these finance receivables to their contractual balances for the periods shown:</p> <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_zHmekuj1WFv5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Finance Receivables to Contractual Balances)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span id="xdx_8B8_z0XL30hRWls5" style="display: none">Schedule of finance receivables fair and contractual balances</span></td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; width: 44%">Finance receivables measured at fair value.</td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_98A_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20230930_zYrSNEwHbTI4" style="text-align: right; width: 11%" title="Finance receivables contractual balance">2,904,235</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_987_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20230930_zKTPeoYa5SQh" style="text-align: right; width: 11%" title="Finance receivables measured at fair value">2,671,540</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_989_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20221231_zfDg2UlaJoIa" style="text-align: right; width: 11%" title="Finance receivables contractual balance">2,701,184</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20221231_zGiZ2ZBMRInb" style="text-align: right; width: 11%" title="Finance receivables measured at fair value">2,476,617</td><td style="text-align: left; width: 1%"> </td></tr> </table> <p id="xdx_8A7_zBkbBl5pAX89" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table provides certain qualitative information about our level 3 fair value measurements:</p> <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zZ1GtKfBsyde" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Level 3 Fair Value Measurements)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span id="xdx_8BE_zo8lBVChN5" style="display: none">Schedule of level 3 fair value measurements</span></td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Values as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Inputs as of</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">December 31,</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unobservable Inputs</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: none; text-indent: -10pt; padding-left: 10pt; width: 20%; text-transform: none; text-align: left">Finance receivables measured at fair value</td><td style="text-decoration: none; width: 1%; text-transform: none"> </td> <td style="text-decoration: none; width: 1%; text-transform: none; text-align: left">$</td><td id="xdx_986_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20230930_zPB71LomQqd1" style="text-decoration: none; width: 11%; text-transform: none; text-align: right" title="Finance receivables measured at fair value">2,671,540</td><td style="text-decoration: none; width: 1%; text-transform: none; text-align: left"> </td><td style="text-decoration: none; width: 1%; font-weight: bold; text-transform: none"> </td> <td style="text-decoration: none; width: 1%; text-transform: none; text-align: left">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20221231_zrTWrmA8dHzb" style="text-decoration: none; font-variant: normal; width: 11%; text-transform: none; text-align: right" title="Finance receivables measured at fair value">2,476,617</td><td style="text-decoration: none; width: 1%; font-weight: bold; text-transform: none; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 19%; text-align: left">Discount rate</td><td style="width: 1%"> </td> <td style="text-align: center; width: 15%"><span id="xdx_907_ecustom--DiscountRateOnFinanceReceivables_c20230101__20230930_zj8x82XUzLna" title="Discount rate on finance receivables">11.0% - 11.7%</span></td><td style="width: 1%"> </td> <td style="text-align: center; width: 15%"><span id="xdx_90C_ecustom--DiscountRateOnFinanceReceivables_c20220101__20221231_zujPFVRLEnCg" title="Discount rate on finance receivables">11.0% - 11.3%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left">Cumulative net losses</td><td> </td> <td style="text-align: center"><span id="xdx_900_ecustom--CumulativeNetLossesOnFinanceReceivables_c20230101__20230930_ziMh1kUA72dg" title="Cumulative net losses on finance receivables, percent">10.0% - 21.7%</span></td><td> </td> <td style="text-align: center"><span id="xdx_909_ecustom--CumulativeNetLossesOnFinanceReceivables_c20220101__20221231_zrlBXh4pazSh" title="Cumulative net losses on finance receivables, percent">13.4% - 19.4%</span></td></tr> </table> <p id="xdx_8A9_zqUZhbHpT8C8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table summarizes the delinquency status of these finance receivables measured at fair value as of September 30, 2023 and December 31, 2022:</p> <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_zBhGu6LZkp18" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BB_zFsWR9ZGD4z1" style="display: none">Schedule of delinquency status of finance receivables measured at fair value</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 68%">Current</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zFWGvbFIhKG5" style="width: 13%; text-align: right" title="Initial principal">2,525,830</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_za5a5o5fSCdj" style="width: 13%; text-align: right" title="Initial principal">2,375,271</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zd3xTYtCJIe3" style="text-align: right" title="Initial principal">192,735</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z36UGiLf3Mqa" style="text-align: right" title="Initial principal">184,968</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zJ2eY0OPkVCd" style="text-align: right" title="Initial principal">90,847</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zaFSYeKmBmA7" style="text-align: right" title="Initial principal">72,390</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zdyTpFHexpv4" style="text-align: right" title="Initial principal">49,337</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zbOiOMX9KpNf" style="text-align: right" title="Initial principal">29,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Repo</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zLVWf2e6o03g" style="border-bottom: Black 1pt solid; text-align: right" title="Initial principal">45,486</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zRj6GOD6z7R2" style="border-bottom: Black 1pt solid; text-align: right" title="Initial principal">39,507</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930_zj7hBJjbS0Ra" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial principal">2,904,235</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231_zAdYbsEFcfW8" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial principal">2,701,184</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p id="xdx_8AD_zv5IOumKy842" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Repossessed vehicle inventory, which is included in Other Assets on our unaudited condensed consolidated balance sheet, is measured at fair value using level 2 assumptions based on our actual loss experience on sale of repossessed vehicles. At September 30, 2023 the finance receivables related to the repossessed vehicles in inventory totaled $<span id="xdx_908_ecustom--RepossessedVehiclesInventoryGross_iI_c20230930_ztpbu02Y27c5" title="Repossessed vehicles in inventory, gross">604,000</span>. We have applied a valuation adjustment, or loss allowance, of $<span id="xdx_906_ecustom--RepossessedInventoryAllowance_iI_c20230930_zUUR0bce0SVg" title="Repossessed inventory allowance">444,000</span>, which is based on a recovery rate of approximately 26%, resulting in an estimated fair value and carrying amount of $<span id="xdx_908_ecustom--RepossessedVehiclesInventoryNet_iI_c20230930_zw1yaDAkPQj5" title="Repossessed vehicles in inventory, net">160,000</span>. The fair value and carrying amount of the repossessed inventory at December 31, 2022 was $<span id="xdx_906_ecustom--RepossessedVehiclesInventoryGross_iI_dxL_c20221231_zrNlUCPgAgYe" title="Repossessed vehicles in inventory, gross::XDX::1894000"><span style="-sec-ix-hidden: xdx2ixbrl1789">1.9</span></span> million after applying a valuation adjustment of $<span id="xdx_90F_ecustom--RepossessedInventoryAllowance_iI_dxL_c20221231_znNCs5vh5mak" title="Repossessed inventory allowance::XDX::1323000"><span style="-sec-ix-hidden: xdx2ixbrl1791">1.3</span></span> million.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">There were no transfers in or out of level 1, level 2 or level 3 assets and liabilities for the three months ended September 30, 2023 and 2022.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The estimated fair values of financial assets and liabilities at September 30, 2023 and December 31, 2022, were as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_ztca1UFZ6MVf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Fair values)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B6_zLX1UVb4rXh" style="display: none">Schedule of estimated fair values of financial assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230930__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zjvmN70jlZ14" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zTFCijuHnki" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zyWPYsiJC1U8" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z3ynNVoZ6Yhi" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20230930_zm60qye48aCi" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zYVKpii06ZS3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; width: 40%">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">8,306</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">8,306</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">8,306</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zia6B4VPSD55" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133,787</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zuemO9FLG8K9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">34,265</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,171</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,171</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_zhrIsQCbQLve" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">284</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_ztRWePlNEz4f" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">240,384</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">240,384</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">240,384</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--ResidualsInterestFinancing_iI_pn3n3_z5FYox9Xfech" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">49,812</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">49,812</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">49,812</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zTtAOB0ovtji" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,468</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,468</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,468</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--SecuredDebt_iI_pn3n3_d0_zie5fZPUEWp2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,243,284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,134,496</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,134,496</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zBeWyr3LxVk2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,163</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20221231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zfMw3mzlLOld" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zpy35sgqB9S" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z887hb8cGFyk" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zrd5vrWc17di" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20221231_zzKazS7d2ox8" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_409_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_z094fAC3Ham8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zXXo5cSc728i" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149,299</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zjTn7peoaor6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">70,551</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">60,063</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">60,063</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_zZO7aCLXZPie" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">649</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">649</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">649</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zaD66H92tx14" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zHFmaaX4Hink" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,190</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,190</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,190</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--SecuredDebt_iI_pn3n3_d0_zw1aswFmJE9k" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,108,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,957,995</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,957,995</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zicHRkTFhvJ8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,263</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A8_zOvsKyO89PUg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zY5ste3Hb3yd" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Reconciliation of Finance Receivables)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B9_z06spXRZ6kJc" style="display: none">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%">Balance at beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20230701__20230930_zTOsGAYzUPJa" style="width: 11%; text-align: right" title="Balance at beginning of period">2,618,420</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20220701__20220930_zn9PzgX6aNVj" style="width: 11%; text-align: right" title="Balance at beginning of period">2,174,133</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20230101__20230930_zwkAfV4NtjQ4" style="width: 11%; text-align: right" title="Balance at beginning of period">2,476,617</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20220101__20220930_zaRZuIbK8od5" style="width: 11%; text-align: right" title="Balance at beginning of period">1,749,098</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables at fair value acquired during period</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20230701__20230930_zl7rrVQeMnH4" style="text-align: right" title="Finance receivables at fair value acquired during period">300,539</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20220701__20220930_zZI5OQT58hQ9" style="text-align: right" title="Finance receivables at fair value acquired during period">407,260</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20230101__20230930_zqdWTGj0MkV6" style="text-align: right" title="Finance receivables at fair value acquired during period">958,587</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20220101__20220930_zrsAgrxHLaNe" style="text-align: right" title="Finance receivables at fair value acquired during period">1,311,735</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Payments received on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20230701__20230930_zYLK1CCKAEd4" style="text-align: right" title="Payments received on finance receivables at fair value">(203,775</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20220701__20220930_zUyhDt43TuJg" style="text-align: right" title="Payments received on finance receivables at fair value">(209,627</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20230101__20230930_zy2026ypKqwj" style="text-align: right" title="Payments received on finance receivables at fair value">(625,715</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20220101__20220930_zCQOcdC3ZLs8" style="text-align: right" title="Payments received on finance receivables at fair value">(635,401</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net interest income accretion on fair value receivables</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_pn3n3_c20230701__20230930_zuFlh5IN6Sh4" style="text-align: right" title="Net interest income accretion on fair value receivables">(49,644</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_pn3n3_c20220701__20220930_z2hq0nlvvBe8" style="text-align: right" title="Net interest income accretion on fair value receivables">(36,696</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_pn3n3_c20230101__20230930_zqQl6GxXUIZ2" style="text-align: right" title="Net interest income accretion on fair value receivables">(143,949</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_pn3n3_c20220101__20220930_zCEfiRemUN51" style="text-align: right" title="Net interest income accretion on fair value receivables">(97,462</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Mark to fair value</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--MarkToFairValue_pn3n3_c20230701__20230930_zC0NTVFPGrb6" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">6,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_ecustom--MarkToFairValue_pn3n3_c20220701__20220930_zvDq9F2qoW95" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">8,183</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--MarkToFairValue_pn3n3_d0_c20230101__20230930_zibvLCl7sPCl" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">6,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--MarkToFairValue_pn3n3_c20220101__20220930_ziWwki85wYHa" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">15,283</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20230701__20230930_zCDL12XPoJu7" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,671,540</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20220701__20220930_zXktUC033qsk" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,343,253</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20230101__20230930_zj4T0JXQjsNe" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,671,540</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20220101__20220930_zQ8hsrhxm0x8" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,343,253</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2618420000 2174133000 2476617000 1749098000 300539000 407260000 958587000 1311735000 -203775000 -209627000 -625715000 -635401000 -49644000 -36696000 -143949000 -97462000 6000000 8183000 6000000 15283000 2671540000 2343253000 2671540000 2343253000 <table cellpadding="0" cellspacing="0" id="xdx_896_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_zHmekuj1WFv5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Finance Receivables to Contractual Balances)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span id="xdx_8B8_z0XL30hRWls5" style="display: none">Schedule of finance receivables fair and contractual balances</span></td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; width: 44%">Finance receivables measured at fair value.</td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_98A_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20230930_zYrSNEwHbTI4" style="text-align: right; width: 11%" title="Finance receivables contractual balance">2,904,235</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_987_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20230930_zKTPeoYa5SQh" style="text-align: right; width: 11%" title="Finance receivables measured at fair value">2,671,540</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_989_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20221231_zfDg2UlaJoIa" style="text-align: right; width: 11%" title="Finance receivables contractual balance">2,701,184</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20221231_zGiZ2ZBMRInb" style="text-align: right; width: 11%" title="Finance receivables measured at fair value">2,476,617</td><td style="text-align: left; width: 1%"> </td></tr> </table> 2904235000 2671540000 2701184000 2476617000 <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zZ1GtKfBsyde" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Level 3 Fair Value Measurements)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span id="xdx_8BE_zo8lBVChN5" style="display: none">Schedule of level 3 fair value measurements</span></td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Values as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Inputs as of</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">December 31,</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unobservable Inputs</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: none; text-indent: -10pt; padding-left: 10pt; width: 20%; text-transform: none; text-align: left">Finance receivables measured at fair value</td><td style="text-decoration: none; width: 1%; text-transform: none"> </td> <td style="text-decoration: none; width: 1%; text-transform: none; text-align: left">$</td><td id="xdx_986_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20230930_zPB71LomQqd1" style="text-decoration: none; width: 11%; text-transform: none; text-align: right" title="Finance receivables measured at fair value">2,671,540</td><td style="text-decoration: none; width: 1%; text-transform: none; text-align: left"> </td><td style="text-decoration: none; width: 1%; font-weight: bold; text-transform: none"> </td> <td style="text-decoration: none; width: 1%; text-transform: none; text-align: left">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20221231_zrTWrmA8dHzb" style="text-decoration: none; font-variant: normal; width: 11%; text-transform: none; text-align: right" title="Finance receivables measured at fair value">2,476,617</td><td style="text-decoration: none; width: 1%; font-weight: bold; text-transform: none; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 19%; text-align: left">Discount rate</td><td style="width: 1%"> </td> <td style="text-align: center; width: 15%"><span id="xdx_907_ecustom--DiscountRateOnFinanceReceivables_c20230101__20230930_zj8x82XUzLna" title="Discount rate on finance receivables">11.0% - 11.7%</span></td><td style="width: 1%"> </td> <td style="text-align: center; width: 15%"><span id="xdx_90C_ecustom--DiscountRateOnFinanceReceivables_c20220101__20221231_zujPFVRLEnCg" title="Discount rate on finance receivables">11.0% - 11.3%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left">Cumulative net losses</td><td> </td> <td style="text-align: center"><span id="xdx_900_ecustom--CumulativeNetLossesOnFinanceReceivables_c20230101__20230930_ziMh1kUA72dg" title="Cumulative net losses on finance receivables, percent">10.0% - 21.7%</span></td><td> </td> <td style="text-align: center"><span id="xdx_909_ecustom--CumulativeNetLossesOnFinanceReceivables_c20220101__20221231_zrlBXh4pazSh" title="Cumulative net losses on finance receivables, percent">13.4% - 19.4%</span></td></tr> </table> 2671540000 2476617000 11.0% - 11.7% 11.0% - 11.3% 10.0% - 21.7% 13.4% - 19.4% <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_zBhGu6LZkp18" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BB_zFsWR9ZGD4z1" style="display: none">Schedule of delinquency status of finance receivables measured at fair value</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 68%">Current</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zFWGvbFIhKG5" style="width: 13%; text-align: right" title="Initial principal">2,525,830</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_za5a5o5fSCdj" style="width: 13%; text-align: right" title="Initial principal">2,375,271</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zd3xTYtCJIe3" style="text-align: right" title="Initial principal">192,735</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z36UGiLf3Mqa" style="text-align: right" title="Initial principal">184,968</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zJ2eY0OPkVCd" style="text-align: right" title="Initial principal">90,847</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zaFSYeKmBmA7" style="text-align: right" title="Initial principal">72,390</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zdyTpFHexpv4" style="text-align: right" title="Initial principal">49,337</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zbOiOMX9KpNf" style="text-align: right" title="Initial principal">29,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Repo</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zLVWf2e6o03g" style="border-bottom: Black 1pt solid; text-align: right" title="Initial principal">45,486</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zRj6GOD6z7R2" style="border-bottom: Black 1pt solid; text-align: right" title="Initial principal">39,507</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20230930_zj7hBJjbS0Ra" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial principal">2,904,235</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--FinanceReceivablesMeasuredAtFairValue_iI_pn3n3_c20221231_zAdYbsEFcfW8" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial principal">2,701,184</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> 2525830000 2375271000 192735000 184968000 90847000 72390000 49337000 29048000 45486000 39507000 2904235000 2701184000 604000 444000 160000 <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_ztca1UFZ6MVf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Fair values)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B6_zLX1UVb4rXh" style="display: none">Schedule of estimated fair values of financial assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230930__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zjvmN70jlZ14" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zTFCijuHnki" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zyWPYsiJC1U8" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z3ynNVoZ6Yhi" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20230930_zm60qye48aCi" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zYVKpii06ZS3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; width: 40%">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">8,306</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">8,306</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">8,306</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zia6B4VPSD55" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133,787</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zuemO9FLG8K9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">34,265</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,171</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,171</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_zhrIsQCbQLve" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">284</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_ztRWePlNEz4f" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">240,384</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">240,384</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">240,384</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--ResidualsInterestFinancing_iI_pn3n3_z5FYox9Xfech" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">49,812</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">49,812</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">49,812</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zTtAOB0ovtji" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,468</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,468</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,468</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--SecuredDebt_iI_pn3n3_d0_zie5fZPUEWp2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,243,284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,134,496</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,134,496</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zBeWyr3LxVk2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,163</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20221231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zfMw3mzlLOld" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zpy35sgqB9S" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z887hb8cGFyk" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zrd5vrWc17di" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20221231_zzKazS7d2ox8" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_409_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_z094fAC3Ham8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zXXo5cSc728i" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149,299</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zjTn7peoaor6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">70,551</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">60,063</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">60,063</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_zZO7aCLXZPie" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">649</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">649</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">649</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zaD66H92tx14" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zHFmaaX4Hink" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,190</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,190</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,190</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--SecuredDebt_iI_pn3n3_d0_zw1aswFmJE9k" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,108,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,957,995</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,957,995</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zicHRkTFhvJ8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,263</td><td style="text-align: left"> </td></tr> </table> 8306000 8306000 0 0 8306000 133787000 133787000 0 0 133787000 34265000 0 0 25171000 25171000 284000 0 0 284000 284000 240384000 0 0 240384000 240384000 49812000 49812000 49812000 7468000 0 0 7468000 7468000 2243284000 0 0 2134496000 2134496000 19163000 0 0 19163000 19163000 13490000 13490000 0 0 13490000 149299000 149299000 0 0 149299000 70551000 0 0 60063000 60063000 649000 0 0 649000 649000 285328000 0 0 285328000 285328000 6190000 0 0 6190000 6190000 2108744000 0 0 1957995000 1957995000 25263000 0 0 25263000 25263000 <p id="xdx_806_eus-gaap--SubsequentEventsTextBlock_z4vpmVCRXQRg" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(10) <span id="xdx_827_zSSkIRF8SQJc">Subsequent Events</span></p> <p style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">On October 24, 2023 we executed our fourth securitization of 2023. In the transaction, qualified institutional buyers purchased $286.1 million of asset-backed notes secured by $306.7 million in automobile receivables originated by CPS. The sold notes, issued by CPS Auto Receivables Trust 2023-D, consist of five classes. Ratings of the notes were provided by Standard &amp; Poor’s and DBRS Morningstar, and were based on the structure of the transaction, the historical performance of similar receivables and CPS’s experience as a servicer. The weighted average yield on the notes is approximately 7.89%.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The 2023-D transaction has initial credit enhancement consisting of a cash deposit equal to 1.00% of the original receivable pool balance and overcollateralization of 6.70%. The transaction agreements require accelerated payment of principal on the notes to reach overcollateralization of the lesser of 9.70% of the original receivable pool balance, or 26.75% of the then outstanding pool balance. The transaction was a private offering of securities, not registered under the Securities Act of 1933, or any state securities law.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $201.0 million in 2023, $844.3 million in 2024, $529.7 million in 2025, $317.1 million in 2026, $206.2 million in 2027, $119.0 million in 2028, and $26.0 million in 2029. Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.