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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_84B_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_zx6MFecWami8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86F_zVwGWikHUMG1">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: 0.25in">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 March 31, 2024 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: 0.25in">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, 2023.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84C_eus-gaap--UseOfEstimates_zRtAIGbT0Z21" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_864_zT1SP7CTRagd">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: 0.25in">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_84B_ecustom--FinanceReceivablesMeasuredAtFairValuePolicyTextBlock_zcnecjpP3Ibk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_869_zosM2zsbYftg">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: 0.25in">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: 0.25in">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: 0.25in">Anticipated credit losses are included in our estimation of cash to be received with respect to receivables. In accordance with the fair value accounting standards, credit losses are included in our computation of the appropriate level yield, therefore 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_84E_ecustom--OtherIncomePolicyTextBlock_ziiOSNpI0eZi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_864_zglPSaFa1Xub">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: 0.25in">The following table presents the primary components of Other Income for the three-month periods ending March 31, 2024 and 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--OtherIncomeTableTextBlock_pn3n3_z5Au5eyjUT2f" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B7_z0rLwDjSA477" 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></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></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">March 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">2024</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 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: 45%; text-align: left; text-indent: -10pt; padding-left: 10pt">Origination and servicing fees from third party receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zUYudiF9O3Ki" style="width: 13%; text-align: right" title="Other Operating Income">2,144</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zyD2l5DFPimf" style="width: 13%; text-align: right" title="Other Operating Income">2,738</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zQtVqkam4gM7" style="text-align: right" title="Other income for the period">289</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_ziYjeNw51nF3" style="text-align: right" title="Other income for the period">260</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_988_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_z3XzDRoHl3ie" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">23</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--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_ziLju2tYicM5" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">40</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -10pt; padding-left: 10pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331_z0W3dd9UZDUa" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">2,456</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230331_zTjUPjdryiZe" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">3,038</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 id="xdx_844_eus-gaap--LesseeLeasesPolicyTextBlock_z68uKSaBIM1j" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_869_z7NnNTLYhZah">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; text-indent: 0.25in">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: 0.25in">The following table presents the supplemental balance sheet information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_pn3n3_zuovb5fUzFd7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" 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_8B3_zhPTvnYPaOld" 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_493_20240331_zORMsulpJnxf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20231231_zGCKxUwGL9Y1" 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">March 31,</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">2024</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--LeasesOperatingAbstract_iB" 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_40F_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_pn3n3_zJ1CfSjGD5O7" style="vertical-align: bottom; background-color: White"> <td style="width: 45%; text-align: left">Operating lease right-of-use assets</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">51,093</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">29,575</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_pn3n3_di_zyX8CisptT5i" 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">(27,902</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">(26,651</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_ecustom--OperatingLeaseRightOfUseAsset1_i01I_pn3n3_zgjYmWHwEzq7" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">23,191</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,924</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_401_ecustom--OperatingLeaseLiability1_iNI_pn3n3_di_zlQBbTelN0v1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(23,702</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(3,220</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_40D_ecustom--FinanceLeasesAbstract_iB_znNavskZjVfg" 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_404_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_pn3n3_zZV2H6c5wZaj" 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">3,474</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,474</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_pn3n3_di_zpSTA8O3EAq2" 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">(3,398</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">(3,385</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_ecustom--FinanceLeaseRightOfUseAsset1_i01I_pn3n3_z9g01Co1gQge" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">76</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">89</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_407_ecustom--FinanceLeaseLiability1_iNI_pn3n3_di_zoSlRltz9cei" 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">$</td><td style="text-align: right">(80</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(93</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 id="xdx_40A_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zIPdAn6dgh25" 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">5.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zt7oS3lq5z73" 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">6.5%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.5%</td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_88E_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_zknS66UnuQIl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zaOQM8xaDEg8" 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 style="font-weight: bold">Maturities of lease liabilities were as follows:</td><td style="color: white"> </td> <td colspan="2" style="color: white">$</td><td style="color: white"> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td>(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt">Year Ending December 31,</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%">2024 (excluding the three months ended March 31, 2024)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zIUibm03bEv7" style="width: 13%; text-align: right" title="2024 (excluding the three months ended March 31, 2024)">2,422</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zYq4fwZatXO5" style="width: 13%; text-align: right" title="2024 (excluding the three months ended March 31, 2024)">27</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zPuRPg7Iqg08" style="text-align: right" title="2025">5,233</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zcXebrZizFAj" style="text-align: right" title="2025">45</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z5cj8lD5dL0e" style="text-align: right" title="2026">5,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zeIlcSSTvww9" style="text-align: right" title="2026">15</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_znqlmwUXgmA8" style="text-align: right" title="2027">5,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zUjgoXc1iGcl" style="text-align: right" title="2027">15</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zmc0rIaFMcAg" style="text-align: right" title="2028">5,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zAxDoGHaFo5f" style="text-align: right" title="2028">4</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_98E_ecustom--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zOgyeUJWXU4f" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">4,747</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--FinanceLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_d0_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z7B3M2ad2DJ2" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">–</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_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zfmYqOMjnXz8" style="text-align: right" title="Total undiscounted lease payments">28,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zr21PyMzlk3" style="text-align: right" title="Total undiscounted lease payments">106</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_98E_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z52Cd0Pt0qc6" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(4,434</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--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z1bmuLoDgtu2" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(26</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_98E_eus-gaap--OperatingLeaseLiability_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zN1IxUi79w14" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">23,702</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--FinanceLeaseLiability_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zc7TpVDE5tRk" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">80</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: 0.25in">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_88E_eus-gaap--LeaseCostTableTextBlock_pn3n3_z2KT7r6lFR15" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zfFlLDH4Ivv5" style="display: none">Schedule of lease expense</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20240101__20240331_zQ5WPwaoWMFf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20230101__20230331_zswfM5KNrMbh" 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></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">March 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">2024</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; 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 colspan="5" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--OperatingLeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"></td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,360</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseCost_z4WdUYZZhWmd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">101</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,388</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">1,461</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: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">The following table presents the supplemental cash flow information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_88A_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zUQBRGDkXHl8" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease - Cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_z0haaxMqJ6hb" 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_49E_20240101__20240331_zbIZ0n89gLxd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20230101__20230331_zh8oKkW11W0c" 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></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">March 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">2024</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 id="xdx_408_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_z3oWU90oSfU5" 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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeasePayments_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,360</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--FinanceLeasePrincipalPayments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">99</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_ecustom--FinancingCashFlowsFromFinanceLeases_i01_pn3n3_z57nXbavtdxk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left">$</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">2</td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0pt 0"> </p> <p id="xdx_840_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zicPFWqrildh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86E_zb7nsDqIuKle">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: 0.25in">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: 0.25in">For the three months ended March 31, 2024 and 2023, we recorded stock-based compensation costs in the amount of $<span id="xdx_904_eus-gaap--ShareBasedCompensation_pp0p0_c20240101__20240331_z40Bj3Lu8B77" title="Stock-based compensation">832,000</span> and $<span id="xdx_901_eus-gaap--ShareBasedCompensation_pp0p0_c20230101__20230331_zw1oaWCHkwck" title="Stock-based compensation">912,000</span>, respectively. As of March 31, 2024, unrecognized stock-based compensation costs to be recognized over future periods equaled $<span id="xdx_90C_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn5n6_c20240331_zKVpNGO5ItNc" title="Unrecognized stock based compensation costs">5.1</span> million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_904_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20240101__20240331_z70WQGjIv1Ff" title="Weighted average period">1.5</span> years.</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: 0.25in">The following represents stock option activity for the three months ended March 31, 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_z8gMl5WiLb1k" 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_8BA_z5TpJJqByEW4" style="display: none">Schedule of stock 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: 49%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zN6fHvdzEii4" style="width: 13%; text-align: right" title="Number of shares options outstanding at the beginning of period">8,125</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z1bv53qU3Y5h" style="width: 13%; text-align: right" title="Weighted average exercise price options outstanding at the beginning of period">5.11</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 15%; 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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zai0WTJ20sA2" 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_986_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zcKAVIsOL3o5" 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_983_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z5GqdYsrIWk" style="text-align: right" title="Number of shares exercised">(180</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zsC06cKLvsf7" style="text-align: right" title="Weighted average exercise price exercised">3.92</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_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_pn3n3_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z3gv0l0y90Cj" 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_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zk9YDSEkUIf8" 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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zqrqvmgXwEcb" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options outstanding at the end of period">7,945</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">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z8mozSTtheB5" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options outstanding at the end of period">5.14</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_907_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zyRteHIhcAXb" title="Weighted average remaining contractual term, end of period">2.95</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zQl4heqVDzOh" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options exercisable at the end of period">6,070</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zZqepszJrIVh" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options exercisable at the end of period">4.51</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_90F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zFhk18IngGgl" title="Weighted average remaining contractual term, exercisable at the end of period">2.47</span> years</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; text-indent: 0.25in">The following table presents the price distribution of stock options outstanding and exercisable for the years ended March 31, 2024 and December 31, 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zGbxOTF7rf14" 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; background-color: White"> <td><span id="xdx_8B8_z6CbU8n5ERNl" style="display: none">Schedule of price distribution of stock options</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">March 31, 2024</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, 2023</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">Range of exercise prices:</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: 32%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zXACerYHoIdb" style="width: 13%; text-align: right" title="Number of shares, outstanding">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zuB10iiCI4t2" style="width: 13%; text-align: right" title="Number of shares, exercisable">1,083</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zyfsu4Z6sAn8" style="width: 13%; text-align: right" title="Number of shares, outstanding">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zh8mM2vePtVg" style="width: 13%; text-align: right" title="Number of shares, exercisable">1,082</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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z92iPGVPB2Lh" style="text-align: right" title="Number of shares, outstanding">2,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zu00d3qri3Rj" style="text-align: right" title="Number of shares, exercisable">2,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zIIC2pbez8D" style="text-align: right" title="Number of shares, outstanding">2,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zmM3OUJ44Zs8" style="text-align: right" title="Number of shares, exercisable">2,473</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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zAwyWji6KKFc" style="text-align: right" title="Number of shares, outstanding">2,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zh556s6XMdDh" style="text-align: right" title="Number of shares, exercisable">1,839</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zQhzgKNkLiCl" style="text-align: right" title="Number of shares, outstanding">2,539</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zOjKVGu5yxEk" style="text-align: right" title="Number of shares, exercisable">1,929</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$6.00 - $6.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zNvB0M3zBZl7" 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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zHedT6CiPZ7c" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zB7bAlI0nFz1" 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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zEOvHZza2QQk" 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>$7.00 - $7.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zln27WUQZPIa" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zNskbmyofFtd" 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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_z0UfmK1QIRed" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zTYHnQFeQJJ3" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zP7NnwrxkISl" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,702</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zdBBYcbaVfA9" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">765</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zBOMdwrR07S3" 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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zHqOSRCsvOqk" 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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331_zIeZFHalkSrg" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">7,945</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_c20240331_zPwuBNjsclW" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">6,070</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231_zunDPdUFUve7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">8,125</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231_zJzTnmixuNy2" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">6,062</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">At March 31, 2024 the aggregate intrinsic value of options outstanding and exercisable was $<span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_pn5n6_c20240331_zZiI38ACWHRj" title="Intrinsic value options outstanding">23.9</span> million and $<span id="xdx_90C_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_pn5n6_c20240331_za2yqJECSC0l" title="Intrinsic value of options exercisable">20.6</span> million, respectively. There were <span id="xdx_903_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_zrGvOTfp1Lci" title="Options exercised">180,000</span> options exercised for the three months ended March 31, 2024 compared to <span id="xdx_90F_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pip0_c20230101__20230331__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_zGQg4ZAt5tIi" title="Options exercised">1,086,000</span> for the comparable period in 2023. The total intrinsic value of options exercised was $<span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pp0p0_c20240101__20240331_zr7mE47dVbEj" title="Intrinsic value of options exercised">716,000</span> and $<span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20230101__20230331_z1u2sm1l7GN4" title="Intrinsic value of options exercised">3.8</span> million for the three-month periods ended March 31, 2024 and 2023. There were <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pip0_c20240331_zeLatkNVnjKk" title="Shares available for grant">2,684,000</span> shares available for future stock option grants under existing plans as of March 31, 2024.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84F_ecustom--PurchasesOfCompanyStockPolicyTextBlock_zQoPnxkcvK97" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86A_zr9sb4chf5e8">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: 0.25in">The table below describes the purchase of our common stock for the three months ended March 31, 2024 and 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_zZ5Rs0FkmEW" 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-indent: -10pt; padding-left: 10pt; text-align: left"><span id="xdx_8BA_zdRSzQOJoj23" style="display: none">Schedule of purchase of our common 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">Three 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">March 31, 2024</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">March 31, 2023</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: 32%; text-align: left">Open market purchases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z38WYR7UHodg" style="width: 13%; text-align: right" title="Total stock purchases, shares">101,355</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zWLg23hw6Sle" style="width: 13%; text-align: right" title="Total stock purchases, average price">8.51</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z6OGm121D9G2" style="width: 13%; text-align: right" title="Total stock purchases, shares">263,185</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zIxsAuwEoVDg" style="width: 13%; text-align: right" title="Total stock purchases, average price">10.42</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; 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_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdSWQ7d7PWm6" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">105,758</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zgSFGXz3HVyc" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">7.89</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_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zexHSO33S2gl" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">458,392</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zqeTVShDUOga" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">9.93</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_98D_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdJi3WPbjhxb" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">207,113</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zDIfzfRFKeui" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">8.19</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--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z9AhzkOzqnPd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">721,577</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zHoiIwwBlnS2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">10.11</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 id="xdx_84B_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zBGCY1aic1db" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zyHF8Uv9Sw7i">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: 0.25in">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_84B_ecustom--FinancialCovenantsPolicyTextBlock_zLl6BXkTrLNh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_861_zPDKxdbpGwFh">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: 0.25in">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 March 31, 2024, 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: 0.25in"> </p> <p id="xdx_846_ecustom--ProvisionForContingentLiabilitiesPolicyTextBlock_zqSsO9IG3M1f" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_863_zQYGll5SmhLg">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: 0.25in">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: 0.25in"> </p> <p id="xdx_841_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_zi6NmRifJP1l" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_864_zdel8AeQ7grj">Recent Accounting Pronouncements</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: 0.25in">In November 2023, the FASB issued ASU No. 2023-07, "Segment Reporting (Topic 280)," which is intended to enhance the disclosures on reportable segments. This new standard will be effective for annual reporting periods beginning after December 15, 2023, with early adoption permitted. The Company is currently evaluating the impact of ASU 2023-07; however, at the current time, the Company does not believe this ASU will have a material impact on its consolidated financial statements.</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: 0.25in">In December 2023, the FASB issued ASU No. 2023-09, "Income Taxes (Topic 740)," which is intended to provide greater transparency in various income tax components that affect the rate reconciliation based on the applicable taxing jurisdictions, as well as the qualitative and quantitative aspects of those components. This new standard will be effective for annual reporting periods beginning on or after December 15, 2024, with early adoption permitted. The Company is currently evaluating the impact of ASU 2023-09; however, at the current time, the Company does not believe this ASU will have a material impact on its consolidated financial statements.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_844_ecustom--DescriptionOfBusinessPolicyTextBlock_zbw0YGykl8g8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_863_zzKHi3ITGquf">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: 0.25in">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_84B_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_zx6MFecWami8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86F_zVwGWikHUMG1">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: 0.25in">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 March 31, 2024 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: 0.25in">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, 2023.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84C_eus-gaap--UseOfEstimates_zRtAIGbT0Z21" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_864_zT1SP7CTRagd">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: 0.25in">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_84B_ecustom--FinanceReceivablesMeasuredAtFairValuePolicyTextBlock_zcnecjpP3Ibk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_869_zosM2zsbYftg">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: 0.25in">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: 0.25in">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: 0.25in">Anticipated credit losses are included in our estimation of cash to be received with respect to receivables. In accordance with the fair value accounting standards, credit losses are included in our computation of the appropriate level yield, therefore 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_84E_ecustom--OtherIncomePolicyTextBlock_ziiOSNpI0eZi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_864_zglPSaFa1Xub">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: 0.25in">The following table presents the primary components of Other Income for the three-month periods ending March 31, 2024 and 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--OtherIncomeTableTextBlock_pn3n3_z5Au5eyjUT2f" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B7_z0rLwDjSA477" 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></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></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">March 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">2024</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 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: 45%; text-align: left; text-indent: -10pt; padding-left: 10pt">Origination and servicing fees from third party receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zUYudiF9O3Ki" style="width: 13%; text-align: right" title="Other Operating Income">2,144</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zyD2l5DFPimf" style="width: 13%; text-align: right" title="Other Operating Income">2,738</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zQtVqkam4gM7" style="text-align: right" title="Other income for the period">289</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_ziYjeNw51nF3" style="text-align: right" title="Other income for the period">260</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_988_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_z3XzDRoHl3ie" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">23</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--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_ziLju2tYicM5" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">40</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -10pt; padding-left: 10pt">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_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331_z0W3dd9UZDUa" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">2,456</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--OtherOperatingIncome_pn3n3_c20230101__20230331_zTjUPjdryiZe" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">3,038</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> <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--OtherIncomeTableTextBlock_pn3n3_z5Au5eyjUT2f" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B7_z0rLwDjSA477" 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></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></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">March 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">2024</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 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: 45%; text-align: left; text-indent: -10pt; padding-left: 10pt">Origination and servicing fees from third party receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zUYudiF9O3Ki" style="width: 13%; text-align: right" title="Other Operating Income">2,144</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zyD2l5DFPimf" style="width: 13%; text-align: right" title="Other Operating Income">2,738</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zQtVqkam4gM7" style="text-align: right" title="Other income for the period">289</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_ziYjeNw51nF3" style="text-align: right" title="Other income for the period">260</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_988_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_z3XzDRoHl3ie" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">23</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--OtherOperatingIncome_pn3n3_c20230101__20230331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_ziLju2tYicM5" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">40</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -10pt; padding-left: 10pt">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_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331_z0W3dd9UZDUa" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">2,456</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--OtherOperatingIncome_pn3n3_c20230101__20230331_zTjUPjdryiZe" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">3,038</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2144000 2738000 289000 260000 23000 40000 2456000 3038000 <p id="xdx_844_eus-gaap--LesseeLeasesPolicyTextBlock_z68uKSaBIM1j" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_869_z7NnNTLYhZah">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; text-indent: 0.25in">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: 0.25in">The following table presents the supplemental balance sheet information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_pn3n3_zuovb5fUzFd7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" 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_8B3_zhPTvnYPaOld" 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_493_20240331_zORMsulpJnxf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20231231_zGCKxUwGL9Y1" 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">March 31,</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">2024</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--LeasesOperatingAbstract_iB" 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_40F_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_pn3n3_zJ1CfSjGD5O7" style="vertical-align: bottom; background-color: White"> <td style="width: 45%; text-align: left">Operating lease right-of-use assets</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">51,093</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">29,575</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_pn3n3_di_zyX8CisptT5i" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(27,902</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(26,651</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_ecustom--OperatingLeaseRightOfUseAsset1_i01I_pn3n3_zgjYmWHwEzq7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">23,191</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,924</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--OperatingLeaseLiability1_iNI_pn3n3_di_zlQBbTelN0v1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(23,702</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(3,220</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_40D_ecustom--FinanceLeasesAbstract_iB_znNavskZjVfg" 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_404_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_pn3n3_zZV2H6c5wZaj" 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">3,474</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,474</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_pn3n3_di_zpSTA8O3EAq2" 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">(3,398</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">(3,385</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_ecustom--FinanceLeaseRightOfUseAsset1_i01I_pn3n3_z9g01Co1gQge" 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">76</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">89</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--FinanceLeaseLiability1_iNI_pn3n3_di_zoSlRltz9cei" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(80</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(93</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 id="xdx_40A_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zIPdAn6dgh25" 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">5.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zt7oS3lq5z73" 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">6.5%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.5%</td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_88E_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_zknS66UnuQIl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zaOQM8xaDEg8" 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 style="font-weight: bold">Maturities of lease liabilities were as follows:</td><td style="color: white"> </td> <td colspan="2" style="color: white">$</td><td style="color: white"> </td><td> </td> <td colspan="2"> </td><td> </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="padding-bottom: 1pt">Year Ending December 31,</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: 45%">2024 (excluding the three months ended March 31, 2024)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zIUibm03bEv7" style="width: 13%; text-align: right" title="2024 (excluding the three months ended March 31, 2024)">2,422</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zYq4fwZatXO5" style="width: 13%; text-align: right" title="2024 (excluding the three months ended March 31, 2024)">27</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zPuRPg7Iqg08" style="text-align: right" title="2025">5,233</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zcXebrZizFAj" style="text-align: right" title="2025">45</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z5cj8lD5dL0e" style="text-align: right" title="2026">5,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zeIlcSSTvww9" style="text-align: right" title="2026">15</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_znqlmwUXgmA8" style="text-align: right" title="2027">5,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zUjgoXc1iGcl" style="text-align: right" title="2027">15</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zmc0rIaFMcAg" style="text-align: right" title="2028">5,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zAxDoGHaFo5f" style="text-align: right" title="2028">4</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_98E_ecustom--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zOgyeUJWXU4f" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">4,747</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--FinanceLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_d0_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z7B3M2ad2DJ2" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">–</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_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zfmYqOMjnXz8" style="text-align: right" title="Total undiscounted lease payments">28,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zr21PyMzlk3" style="text-align: right" title="Total undiscounted lease payments">106</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_98E_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z52Cd0Pt0qc6" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(4,434</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--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z1bmuLoDgtu2" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(26</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">$</td><td id="xdx_98E_eus-gaap--OperatingLeaseLiability_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zN1IxUi79w14" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">23,702</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zc7TpVDE5tRk" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">80</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: 0.25in">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_88E_eus-gaap--LeaseCostTableTextBlock_pn3n3_z2KT7r6lFR15" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zfFlLDH4Ivv5" style="display: none">Schedule of lease expense</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20240101__20240331_zQ5WPwaoWMFf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20230101__20230331_zswfM5KNrMbh" 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></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">March 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">2024</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; 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 colspan="5" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--OperatingLeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"></td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,360</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseCost_z4WdUYZZhWmd" 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">14</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">101</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,388</td><td style="padding-bottom: 2.5pt; text-align: left"></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,461</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: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">The following table presents the supplemental cash flow information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_88A_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zUQBRGDkXHl8" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease - Cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_z0haaxMqJ6hb" 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_49E_20240101__20240331_zbIZ0n89gLxd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20230101__20230331_zh8oKkW11W0c" 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></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">March 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">2024</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 id="xdx_408_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_z3oWU90oSfU5" 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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeasePayments_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,360</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--FinanceLeasePrincipalPayments_i01_pn3n3" 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">$</td><td style="text-align: right">13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">99</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_ecustom--FinancingCashFlowsFromFinanceLeases_i01_pn3n3_z57nXbavtdxk" 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">2</td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0pt 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_88B_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_pn3n3_zuovb5fUzFd7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" 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_8B3_zhPTvnYPaOld" 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_493_20240331_zORMsulpJnxf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20231231_zGCKxUwGL9Y1" 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">March 31,</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">2024</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--LeasesOperatingAbstract_iB" 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_40F_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_pn3n3_zJ1CfSjGD5O7" style="vertical-align: bottom; background-color: White"> <td style="width: 45%; text-align: left">Operating lease right-of-use assets</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">51,093</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">29,575</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_pn3n3_di_zyX8CisptT5i" 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">(27,902</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">(26,651</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_ecustom--OperatingLeaseRightOfUseAsset1_i01I_pn3n3_zgjYmWHwEzq7" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">23,191</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,924</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_401_ecustom--OperatingLeaseLiability1_iNI_pn3n3_di_zlQBbTelN0v1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(23,702</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(3,220</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_40D_ecustom--FinanceLeasesAbstract_iB_znNavskZjVfg" 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_404_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_pn3n3_zZV2H6c5wZaj" 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">3,474</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,474</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_pn3n3_di_zpSTA8O3EAq2" 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">(3,398</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">(3,385</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_ecustom--FinanceLeaseRightOfUseAsset1_i01I_pn3n3_z9g01Co1gQge" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">76</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">89</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_407_ecustom--FinanceLeaseLiability1_iNI_pn3n3_di_zoSlRltz9cei" 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">$</td><td style="text-align: right">(80</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(93</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 id="xdx_40A_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zIPdAn6dgh25" 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">5.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zt7oS3lq5z73" 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">6.5%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.5%</td><td style="text-align: left"> </td></tr> </table> 51093000 29575000 27902000 26651000 23191000 2924000 23702000 3220000 3474000 3474000 3398000 3385000 76000 89000 80000 93000 0.050 0.050 0.065 0.065 <table cellpadding="0" cellspacing="0" id="xdx_88E_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_zknS66UnuQIl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zaOQM8xaDEg8" 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 style="font-weight: bold">Maturities of lease liabilities were as follows:</td><td style="color: white"> </td> <td colspan="2" style="color: white">$</td><td style="color: white"> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td>(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt">Year Ending December 31,</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%">2024 (excluding the three months ended March 31, 2024)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zIUibm03bEv7" style="width: 13%; text-align: right" title="2024 (excluding the three months ended March 31, 2024)">2,422</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zYq4fwZatXO5" style="width: 13%; text-align: right" title="2024 (excluding the three months ended March 31, 2024)">27</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zPuRPg7Iqg08" style="text-align: right" title="2025">5,233</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zcXebrZizFAj" style="text-align: right" title="2025">45</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z5cj8lD5dL0e" style="text-align: right" title="2026">5,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zeIlcSSTvww9" style="text-align: right" title="2026">15</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_znqlmwUXgmA8" style="text-align: right" title="2027">5,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zUjgoXc1iGcl" style="text-align: right" title="2027">15</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zmc0rIaFMcAg" style="text-align: right" title="2028">5,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zAxDoGHaFo5f" style="text-align: right" title="2028">4</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_98E_ecustom--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zOgyeUJWXU4f" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">4,747</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--FinanceLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_d0_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z7B3M2ad2DJ2" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">–</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_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zfmYqOMjnXz8" style="text-align: right" title="Total undiscounted lease payments">28,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zr21PyMzlk3" style="text-align: right" title="Total undiscounted lease payments">106</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_98E_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z52Cd0Pt0qc6" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(4,434</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--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z1bmuLoDgtu2" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(26</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_98E_eus-gaap--OperatingLeaseLiability_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zN1IxUi79w14" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">23,702</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--FinanceLeaseLiability_iI_pn3n3_c20240331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zc7TpVDE5tRk" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">80</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2422000 27000 5233000 45000 5084000 15000 5242000 15000 5408000 4000 4747000 0 28136000 106000 4434000 26000 23702000 80000 <table cellpadding="0" cellspacing="0" id="xdx_88E_eus-gaap--LeaseCostTableTextBlock_pn3n3_z2KT7r6lFR15" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zfFlLDH4Ivv5" style="display: none">Schedule of lease expense</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20240101__20240331_zQ5WPwaoWMFf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20230101__20230331_zswfM5KNrMbh" 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></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">March 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">2024</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; 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 colspan="5" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--OperatingLeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"></td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,360</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseCost_z4WdUYZZhWmd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">101</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,388</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">1,461</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1374000 1360000 14000 101000 1388000 1461000 <table cellpadding="0" cellspacing="0" id="xdx_88A_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zUQBRGDkXHl8" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease - Cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_z0haaxMqJ6hb" 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_49E_20240101__20240331_zbIZ0n89gLxd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20230101__20230331_zh8oKkW11W0c" 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></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">March 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">2024</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 id="xdx_408_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_z3oWU90oSfU5" 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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeasePayments_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,360</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--FinanceLeasePrincipalPayments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">99</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_ecustom--FinancingCashFlowsFromFinanceLeases_i01_pn3n3_z57nXbavtdxk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left">$</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">2</td><td style="text-align: left"> </td></tr> </table> 1374000 1360000 13000 99000 1000 2000 <p id="xdx_840_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zicPFWqrildh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86E_zb7nsDqIuKle">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: 0.25in">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: 0.25in">For the three months ended March 31, 2024 and 2023, we recorded stock-based compensation costs in the amount of $<span id="xdx_904_eus-gaap--ShareBasedCompensation_pp0p0_c20240101__20240331_z40Bj3Lu8B77" title="Stock-based compensation">832,000</span> and $<span id="xdx_901_eus-gaap--ShareBasedCompensation_pp0p0_c20230101__20230331_zw1oaWCHkwck" title="Stock-based compensation">912,000</span>, respectively. As of March 31, 2024, unrecognized stock-based compensation costs to be recognized over future periods equaled $<span id="xdx_90C_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn5n6_c20240331_zKVpNGO5ItNc" title="Unrecognized stock based compensation costs">5.1</span> million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_904_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20240101__20240331_z70WQGjIv1Ff" title="Weighted average period">1.5</span> years.</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: 0.25in">The following represents stock option activity for the three months ended March 31, 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_z8gMl5WiLb1k" 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_8BA_z5TpJJqByEW4" style="display: none">Schedule of stock 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: 49%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zN6fHvdzEii4" style="width: 13%; text-align: right" title="Number of shares options outstanding at the beginning of period">8,125</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z1bv53qU3Y5h" style="width: 13%; text-align: right" title="Weighted average exercise price options outstanding at the beginning of period">5.11</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 15%; 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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zai0WTJ20sA2" 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_986_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zcKAVIsOL3o5" 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_983_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z5GqdYsrIWk" style="text-align: right" title="Number of shares exercised">(180</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zsC06cKLvsf7" style="text-align: right" title="Weighted average exercise price exercised">3.92</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_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_pn3n3_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z3gv0l0y90Cj" 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_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zk9YDSEkUIf8" 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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zqrqvmgXwEcb" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options outstanding at the end of period">7,945</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">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z8mozSTtheB5" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options outstanding at the end of period">5.14</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_907_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zyRteHIhcAXb" title="Weighted average remaining contractual term, end of period">2.95</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zQl4heqVDzOh" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options exercisable at the end of period">6,070</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zZqepszJrIVh" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options exercisable at the end of period">4.51</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_90F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zFhk18IngGgl" title="Weighted average remaining contractual term, exercisable at the end of period">2.47</span> years</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; text-indent: 0.25in">The following table presents the price distribution of stock options outstanding and exercisable for the years ended March 31, 2024 and December 31, 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zGbxOTF7rf14" 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; background-color: White"> <td><span id="xdx_8B8_z6CbU8n5ERNl" style="display: none">Schedule of price distribution of stock options</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">March 31, 2024</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, 2023</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">Range of exercise prices:</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: 32%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zXACerYHoIdb" style="width: 13%; text-align: right" title="Number of shares, outstanding">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zuB10iiCI4t2" style="width: 13%; text-align: right" title="Number of shares, exercisable">1,083</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zyfsu4Z6sAn8" style="width: 13%; text-align: right" title="Number of shares, outstanding">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zh8mM2vePtVg" style="width: 13%; text-align: right" title="Number of shares, exercisable">1,082</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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z92iPGVPB2Lh" style="text-align: right" title="Number of shares, outstanding">2,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zu00d3qri3Rj" style="text-align: right" title="Number of shares, exercisable">2,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zIIC2pbez8D" style="text-align: right" title="Number of shares, outstanding">2,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zmM3OUJ44Zs8" style="text-align: right" title="Number of shares, exercisable">2,473</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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zAwyWji6KKFc" style="text-align: right" title="Number of shares, outstanding">2,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zh556s6XMdDh" style="text-align: right" title="Number of shares, exercisable">1,839</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zQhzgKNkLiCl" style="text-align: right" title="Number of shares, outstanding">2,539</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zOjKVGu5yxEk" style="text-align: right" title="Number of shares, exercisable">1,929</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$6.00 - $6.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zNvB0M3zBZl7" 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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zHedT6CiPZ7c" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zB7bAlI0nFz1" 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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zEOvHZza2QQk" 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>$7.00 - $7.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zln27WUQZPIa" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zNskbmyofFtd" 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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_z0UfmK1QIRed" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zTYHnQFeQJJ3" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zP7NnwrxkISl" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,702</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zdBBYcbaVfA9" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">765</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zBOMdwrR07S3" 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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zHqOSRCsvOqk" 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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331_zIeZFHalkSrg" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">7,945</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_c20240331_zPwuBNjsclW" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">6,070</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231_zunDPdUFUve7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">8,125</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231_zJzTnmixuNy2" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">6,062</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">At March 31, 2024 the aggregate intrinsic value of options outstanding and exercisable was $<span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_pn5n6_c20240331_zZiI38ACWHRj" title="Intrinsic value options outstanding">23.9</span> million and $<span id="xdx_90C_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_pn5n6_c20240331_za2yqJECSC0l" title="Intrinsic value of options exercisable">20.6</span> million, respectively. There were <span id="xdx_903_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_zrGvOTfp1Lci" title="Options exercised">180,000</span> options exercised for the three months ended March 31, 2024 compared to <span id="xdx_90F_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pip0_c20230101__20230331__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_zGQg4ZAt5tIi" title="Options exercised">1,086,000</span> for the comparable period in 2023. The total intrinsic value of options exercised was $<span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pp0p0_c20240101__20240331_zr7mE47dVbEj" title="Intrinsic value of options exercised">716,000</span> and $<span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20230101__20230331_z1u2sm1l7GN4" title="Intrinsic value of options exercised">3.8</span> million for the three-month periods ended March 31, 2024 and 2023. There were <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pip0_c20240331_zeLatkNVnjKk" title="Shares available for grant">2,684,000</span> shares available for future stock option grants under existing plans as of March 31, 2024.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> 832000 912000 5100000 P1Y6M <table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_z8gMl5WiLb1k" 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_8BA_z5TpJJqByEW4" style="display: none">Schedule of stock 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: 49%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zN6fHvdzEii4" style="width: 13%; text-align: right" title="Number of shares options outstanding at the beginning of period">8,125</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z1bv53qU3Y5h" style="width: 13%; text-align: right" title="Weighted average exercise price options outstanding at the beginning of period">5.11</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 15%; 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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zai0WTJ20sA2" 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_986_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zcKAVIsOL3o5" 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_983_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z5GqdYsrIWk" style="text-align: right" title="Number of shares exercised">(180</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zsC06cKLvsf7" style="text-align: right" title="Weighted average exercise price exercised">3.92</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_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_pn3n3_d0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z3gv0l0y90Cj" 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_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zk9YDSEkUIf8" 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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zqrqvmgXwEcb" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options outstanding at the end of period">7,945</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">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z8mozSTtheB5" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options outstanding at the end of period">5.14</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_907_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zyRteHIhcAXb" title="Weighted average remaining contractual term, end of period">2.95</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zQl4heqVDzOh" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options exercisable at the end of period">6,070</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zZqepszJrIVh" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options exercisable at the end of period">4.51</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_90F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zFhk18IngGgl" title="Weighted average remaining contractual term, exercisable at the end of period">2.47</span> years</td></tr> </table> 8125000 5.11 0 0 180000 3.92 0 0 7945000 5.14 P2Y11M12D 6070000 4.51 P2Y5M19D <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zGbxOTF7rf14" 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; background-color: White"> <td><span id="xdx_8B8_z6CbU8n5ERNl" style="display: none">Schedule of price distribution of stock options</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">March 31, 2024</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, 2023</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">Range of exercise prices:</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: 32%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zXACerYHoIdb" style="width: 13%; text-align: right" title="Number of shares, outstanding">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zuB10iiCI4t2" style="width: 13%; text-align: right" title="Number of shares, exercisable">1,083</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zyfsu4Z6sAn8" style="width: 13%; text-align: right" title="Number of shares, outstanding">1,410</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zh8mM2vePtVg" style="width: 13%; text-align: right" title="Number of shares, exercisable">1,082</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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z92iPGVPB2Lh" style="text-align: right" title="Number of shares, outstanding">2,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zu00d3qri3Rj" style="text-align: right" title="Number of shares, exercisable">2,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zIIC2pbez8D" style="text-align: right" title="Number of shares, outstanding">2,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zmM3OUJ44Zs8" style="text-align: right" title="Number of shares, exercisable">2,473</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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zAwyWji6KKFc" style="text-align: right" title="Number of shares, outstanding">2,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zh556s6XMdDh" style="text-align: right" title="Number of shares, exercisable">1,839</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zQhzgKNkLiCl" style="text-align: right" title="Number of shares, outstanding">2,539</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zOjKVGu5yxEk" style="text-align: right" title="Number of shares, exercisable">1,929</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$6.00 - $6.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zNvB0M3zBZl7" 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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zHedT6CiPZ7c" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zB7bAlI0nFz1" 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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zEOvHZza2QQk" 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>$7.00 - $7.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zln27WUQZPIa" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zNskbmyofFtd" 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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_z0UfmK1QIRed" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zTYHnQFeQJJ3" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zP7NnwrxkISl" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,702</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20240331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zdBBYcbaVfA9" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">765</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zBOMdwrR07S3" 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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zHqOSRCsvOqk" 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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20240331_zIeZFHalkSrg" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">7,945</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_c20240331_zPwuBNjsclW" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">6,070</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20231231_zunDPdUFUve7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">8,125</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20231231_zJzTnmixuNy2" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">6,062</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1410000 1083000 1410000 1082000 2383000 2383000 2473000 2473000 2450000 1839000 2539000 1929000 0 0 0 0 0 0 0 0 1702000 765000 1703000 578000 7945000 6070000 8125000 6062000 23900000 20600000 180000 1086000 716000 3800000 2684000 <p id="xdx_84F_ecustom--PurchasesOfCompanyStockPolicyTextBlock_zQoPnxkcvK97" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86A_zr9sb4chf5e8">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: 0.25in">The table below describes the purchase of our common stock for the three months ended March 31, 2024 and 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_zZ5Rs0FkmEW" 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-indent: -10pt; padding-left: 10pt; text-align: left"><span id="xdx_8BA_zdRSzQOJoj23" style="display: none">Schedule of purchase of our common 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">Three 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">March 31, 2024</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">March 31, 2023</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: 32%; text-align: left">Open market purchases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z38WYR7UHodg" style="width: 13%; text-align: right" title="Total stock purchases, shares">101,355</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zWLg23hw6Sle" style="width: 13%; text-align: right" title="Total stock purchases, average price">8.51</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z6OGm121D9G2" style="width: 13%; text-align: right" title="Total stock purchases, shares">263,185</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zIxsAuwEoVDg" style="width: 13%; text-align: right" title="Total stock purchases, average price">10.42</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; 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_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdSWQ7d7PWm6" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">105,758</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zgSFGXz3HVyc" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">7.89</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_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zexHSO33S2gl" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">458,392</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zqeTVShDUOga" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">9.93</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_98D_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdJi3WPbjhxb" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">207,113</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zDIfzfRFKeui" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">8.19</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--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z9AhzkOzqnPd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">721,577</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zHoiIwwBlnS2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">10.11</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> <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_zZ5Rs0FkmEW" 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-indent: -10pt; padding-left: 10pt; text-align: left"><span id="xdx_8BA_zdRSzQOJoj23" style="display: none">Schedule of purchase of our common 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">Three 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">March 31, 2024</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">March 31, 2023</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: 32%; text-align: left">Open market purchases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z38WYR7UHodg" style="width: 13%; text-align: right" title="Total stock purchases, shares">101,355</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zWLg23hw6Sle" style="width: 13%; text-align: right" title="Total stock purchases, average price">8.51</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z6OGm121D9G2" style="width: 13%; text-align: right" title="Total stock purchases, shares">263,185</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zIxsAuwEoVDg" style="width: 13%; text-align: right" title="Total stock purchases, average price">10.42</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; 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_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdSWQ7d7PWm6" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">105,758</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zgSFGXz3HVyc" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">7.89</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_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zexHSO33S2gl" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">458,392</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zqeTVShDUOga" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">9.93</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_98D_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdJi3WPbjhxb" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">207,113</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zDIfzfRFKeui" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">8.19</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--StockRepurchasedDuringPeriodShares_pip0_c20230101__20230331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z9AhzkOzqnPd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">721,577</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20230101__20230331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zHoiIwwBlnS2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">10.11</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 101355 8.51 263185 10.42 105758 7.89 458392 9.93 207113 8.19 721577 10.11 <p id="xdx_84B_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zBGCY1aic1db" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zyHF8Uv9Sw7i">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: 0.25in">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_84B_ecustom--FinancialCovenantsPolicyTextBlock_zLl6BXkTrLNh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_861_zPDKxdbpGwFh">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: 0.25in">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 March 31, 2024, 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: 0.25in"> </p> <p id="xdx_846_ecustom--ProvisionForContingentLiabilitiesPolicyTextBlock_zqSsO9IG3M1f" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_863_zQYGll5SmhLg">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: 0.25in">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: 0.25in"> </p> <p id="xdx_841_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_zi6NmRifJP1l" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_864_zdel8AeQ7grj">Recent Accounting Pronouncements</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: 0.25in">In November 2023, the FASB issued ASU No. 2023-07, "Segment Reporting (Topic 280)," which is intended to enhance the disclosures on reportable segments. This new standard will be effective for annual reporting periods beginning after December 15, 2023, with early adoption permitted. The Company is currently evaluating the impact of ASU 2023-07; however, at the current time, the Company does not believe this ASU will have a material impact on its consolidated financial statements.</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: 0.25in">In December 2023, the FASB issued ASU No. 2023-09, "Income Taxes (Topic 740)," which is intended to provide greater transparency in various income tax components that affect the rate reconciliation based on the applicable taxing jurisdictions, as well as the qualitative and quantitative aspects of those components. This new standard will be effective for annual reporting periods beginning on or after December 15, 2024, with early adoption permitted. The Company is currently evaluating the impact of ASU 2023-09; however, at the current time, the Company does not believe this ASU will have a material impact on its consolidated financial statements.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_804_ecustom--FinanceReceivableTextBlock_zEnvK38iM8Zg" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"><b>(2) <i><span id="xdx_822_zTxthfP53Aae">Finance Receivables</span></i></b></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; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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 reported as delinquent. In certain circumstances we will grant obligors one-month payment extensions. 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. Accordingly, we consider such extensions to be insignificant delays in payments. The following table summarizes the delinquency status of finance receivables as of March 31, 2024 and December 31, 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_885_eus-gaap--PastDueFinancingReceivablesTableTextBlock_pn3n3_zzcvXtEvaKK6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B7_zTdZe4mtRGHd" 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"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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 style="text-align: left">Delinquency Status</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: 45%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_zAxEe6MTieXd" style="width: 13%; text-align: right" title="Finance receivables">12,629</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_zrKFb5ov9VE7" style="width: 13%; text-align: right" title="Total finance receivables with delinquency status">17,771</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>31-60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zn2crU60K3G7" style="text-align: right" title="Finance receivables">3,618</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zuoEyk95bFWa" style="text-align: right" title="Total finance receivables with delinquency status">5,626</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>61-90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zecckzClg8Qg" style="text-align: right" title="Total finance receivables with delinquency status">2,065</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zPi2YJnCQ7j1" style="text-align: right" title="Total finance receivables with delinquency status">3,087</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">91 + days</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zj7X47yvGU9c" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">469</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zDfx5snrSJii" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">1,069</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_98B_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331_zh3SgI0DGDfd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">18,781</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231_zcjOQNGbdG12" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">27,553</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: 0.25in">Finance receivables totaling $<span id="xdx_90C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20240331_zelCLPTQa1T1" title="Finance receivables, non accrual status">469,000</span> and $<span id="xdx_90A_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn5n6_c20231231_zqJSpGgP19Si" title="Finance receivables, non accrual status">1.1</span> million at March 31, 2024 and December 31, 2023, respectively, 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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"><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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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. Throughout our history we have observed how events such as extreme weather, political unrest, and other qualitative factors have influenced the performance of our portfolio. Consequently, we have considered how such qualitative factors may affect future credit losses and have incorporated our judgement of the effect of those factors into our estimates.</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; text-align: justify; text-indent: 0.25in">The following table presents the amortized cost basis of our finance receivables by annual vintage as of March 31, 2024 and December 31, 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_pn3n3_z9KM4tsDrM33" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Amortized cost basis)"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: left"><span id="xdx_8B6_zslmCzMkO2Yj" style="display: none">Schedule of annual vintage</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </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"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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="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="padding-bottom: 1pt; text-align: center"><span style="text-decoration: underline">Annual Vintage Pool</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">2014 and prior.</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_z3kEI05qPNV" style="width: 13%; text-align: right" title="Amortized cost basis">237</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zA9XCZibxau2" style="width: 13%; text-align: right" title="Amortized cost basis">370</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_z3ew0thHM0Gk" style="text-align: right" title="Amortized cost basis">1,141</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zZARAMMODXW2" style="text-align: right" title="Amortized cost basis">1,788</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zPXjfEXbQRb9" style="text-align: right" title="Amortized cost basis">4,991</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_z7tWkusdgSr4" style="text-align: right" title="Amortized cost basis">7,673</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; 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_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zTb8bFT2j3Wj" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">12,412</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zd3QT9dvNMx6" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">17,722</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_98C_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331_zgtzNcn4D8rh" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">18,781</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231_zL4kbkZsjoEk" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">27,553</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: 0.25in">The following table presents a summary of the activity for the allowance for finance credit losses for the three-month periods ended March 31, 2024 and 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zJ14QZWUZPX" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left"><span id="xdx_8BA_zECWq02pNoeg" 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></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> </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">March 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">2024</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 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: 45%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20240101__20240331_zKUKcMw0jKTd" style="width: 13%; text-align: right" title="Balance at beginning of period">2,869</td><td style="width: 1%; text-align: left"></td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20230101__20230331_zGPcxHNxpyZ" style="width: 13%; text-align: right" title="Balance at beginning of period">21,753</td><td style="width: 1%; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Provision for credit losses on finance receivables</td><td> </td> <td style="text-align: left"></td><td id="xdx_989_eus-gaap--ProvisionForLoanLossesExpensed_pn3n3_c20240101__20240331_zfavYIbjKXWg" style="text-align: right" title="Provision for credit losses on finance receivables">(1,635</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ProvisionForLoanLossesExpensed_pn3n3_c20230101__20230331_z3chkjYnWgz3" style="text-align: right" title="Provision for credit losses on finance receivables">(9,000</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_988_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_iN_pn3n3_di_c20240101__20240331_zoZEIj1LqJPj" style="text-align: right" title="Charge-offs">(1,001</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_iN_pn3n3_di_c20230101__20230331_ziwKlX9QQSE2" style="text-align: right" title="Charge-offs">(3,018</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_982_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_pn3n3_c20240101__20240331_zyMFrjrFcPA2" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">1,657</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--FinancingReceivableAllowanceForCreditLossesRecovery_pn3n3_c20230101__20230331_z4Xdt6Lp8Y4c" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">4,993</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_98C_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20240101__20240331_zL7YRMRJmX4g" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">1,890</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_98B_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20230101__20230331_zk63atju5yCg" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">14,728</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: 0.25in">The following table presents the gross charge-offs by year of origination of our finance receivables for the three-month periods ended March 31, 2024 and 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--ScheduleOfChargeOffsOfFinanceReceivablesTableTextBlock_pn3n3_zaKGx1Xb6vHc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Charge-offs for financed receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BA_zVvXhaTtzOQ2" style="display: none">Schedule of gross charge-off</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"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three 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">March 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">2024</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 style="padding-bottom: 1pt; text-align: center"><span style="text-decoration: underline">Annual Vintage Pool</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="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: 45%; text-align: left">2014 and prior</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zIeKmMVlnKll" style="width: 13%; text-align: right" title="Charge-offs">70</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zpM5KzPHyOEd" style="width: 13%; text-align: right" title="Charge-offs">141</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_98E_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zrEM8l5EwlRc" style="text-align: right" title="Charge-offs">115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_z0Gm493vMpD7" style="text-align: right" title="Charge-offs">444</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_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zIOq4X7bIsea" style="text-align: right" title="Charge-offs">377</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zhDSlQxmB2Al" style="text-align: right" title="Charge-offs">1,321</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_98C_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zPNdTQsVYXB4" style="text-align: right" title="Charge-offs">481</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zPaiwIg9cFRi" style="text-align: right" title="Charge-offs">1,502</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_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_iN_pn3n3_di_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--AppliedAgainstReposInInventoryMemberMember_zAnPJFpLU5ik" style="border-bottom: Black 1pt solid; text-align: right" title="Applied against repos in inventory (net)">(42</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--AllowanceForDoubtfulAccountsReceivableRecoveries_iN_pn3n3_di_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--AppliedAgainstReposInInventoryMemberMember_zd4X2MVIJD9e" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(390</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_987_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331_zEIm9iNqAluk" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">1,001</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--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331_zblMWNB1HWw7" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">3,018</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: 0.25in">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> <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--AllowanceForLossesOnRepossessedInventoryTableTextBlock_pn3n3_zLVLeEHVrYm3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Repossessed inventory)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B9_zQTgIwj4zFt9" style="display: none">Schedule of allowance for losses in 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"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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="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: 45%; text-align: left">Gross balance of repossessions in inventory</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_ecustom--GrossBalanceOfRepossessionsInInventory_pn3n3_c20240331_zvzzNDuDF7Be" style="width: 13%; text-align: right" title="Gross balance of repossessions in inventory">546</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--GrossBalanceOfRepossessionsInInventory_iI_pn3n3_c20231231_ztmwnhnVOyvl" style="width: 13%; text-align: right" title="Gross balance of repossessions in inventory">597</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-align: left">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--ValuationAllowancesAndReservesAdjustments_pn3n3_c20240101__20240331_zPCOfUDyXUod" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(429</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--ValuationAllowancesAndReservesAdjustments_pn3n3_c20230101__20231231_zk33Q9Clqqij" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(472</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--ForeclosedAssets_pn3n3_c20240331_zaigO6Qr7WWe" style="border-bottom: Black 2.5pt double; text-align: right" title="Net repossessed inventory included in other assets">117</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--ForeclosedAssets_pn3n3_c20231231_zUd7iQjil3pj" style="border-bottom: Black 2.5pt double; text-align: right" title="Net repossessed inventory included in other assets">125</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; color: Red"> </p> <table cellpadding="0" cellspacing="0" id="xdx_885_eus-gaap--PastDueFinancingReceivablesTableTextBlock_pn3n3_zzcvXtEvaKK6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B7_zTdZe4mtRGHd" 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"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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 style="text-align: left">Delinquency Status</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: 45%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_zAxEe6MTieXd" style="width: 13%; text-align: right" title="Finance receivables">12,629</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_zrKFb5ov9VE7" style="width: 13%; text-align: right" title="Total finance receivables with delinquency status">17,771</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>31-60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zn2crU60K3G7" style="text-align: right" title="Finance receivables">3,618</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zuoEyk95bFWa" style="text-align: right" title="Total finance receivables with delinquency status">5,626</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>61-90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zecckzClg8Qg" style="text-align: right" title="Total finance receivables with delinquency status">2,065</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zPi2YJnCQ7j1" style="text-align: right" title="Total finance receivables with delinquency status">3,087</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">91 + days</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zj7X47yvGU9c" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">469</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zDfx5snrSJii" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">1,069</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_98B_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331_zh3SgI0DGDfd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">18,781</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231_zcjOQNGbdG12" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">27,553</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 12629000 17771000 3618000 5626000 2065000 3087000 469000 1069000 18781000 27553000 469000 1100000 <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_pn3n3_z9KM4tsDrM33" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Amortized cost basis)"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: left"><span id="xdx_8B6_zslmCzMkO2Yj" style="display: none">Schedule of annual vintage</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </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"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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="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="padding-bottom: 1pt; text-align: center"><span style="text-decoration: underline">Annual Vintage Pool</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">2014 and prior.</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_z3kEI05qPNV" style="width: 13%; text-align: right" title="Amortized cost basis">237</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zA9XCZibxau2" style="width: 13%; text-align: right" title="Amortized cost basis">370</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_z3ew0thHM0Gk" style="text-align: right" title="Amortized cost basis">1,141</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zZARAMMODXW2" style="text-align: right" title="Amortized cost basis">1,788</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zPXjfEXbQRb9" style="text-align: right" title="Amortized cost basis">4,991</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_z7tWkusdgSr4" style="text-align: right" title="Amortized cost basis">7,673</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; 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_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zTb8bFT2j3Wj" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">12,412</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zd3QT9dvNMx6" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">17,722</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_98C_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20240331_zgtzNcn4D8rh" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">18,781</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20231231_zL4kbkZsjoEk" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">27,553</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 237000 370000 1141000 1788000 4991000 7673000 12412000 17722000 18781000 27553000 <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zJ14QZWUZPX" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left"><span id="xdx_8BA_zECWq02pNoeg" 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></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> </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">March 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">2024</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 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: 45%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20240101__20240331_zKUKcMw0jKTd" style="width: 13%; text-align: right" title="Balance at beginning of period">2,869</td><td style="width: 1%; text-align: left"></td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20230101__20230331_zGPcxHNxpyZ" style="width: 13%; text-align: right" title="Balance at beginning of period">21,753</td><td style="width: 1%; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Provision for credit losses on finance receivables</td><td> </td> <td style="text-align: left"></td><td id="xdx_989_eus-gaap--ProvisionForLoanLossesExpensed_pn3n3_c20240101__20240331_zfavYIbjKXWg" style="text-align: right" title="Provision for credit losses on finance receivables">(1,635</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ProvisionForLoanLossesExpensed_pn3n3_c20230101__20230331_z3chkjYnWgz3" style="text-align: right" title="Provision for credit losses on finance receivables">(9,000</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_988_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_iN_pn3n3_di_c20240101__20240331_zoZEIj1LqJPj" style="text-align: right" title="Charge-offs">(1,001</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_iN_pn3n3_di_c20230101__20230331_ziwKlX9QQSE2" style="text-align: right" title="Charge-offs">(3,018</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_982_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_pn3n3_c20240101__20240331_zyMFrjrFcPA2" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">1,657</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--FinancingReceivableAllowanceForCreditLossesRecovery_pn3n3_c20230101__20230331_z4Xdt6Lp8Y4c" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">4,993</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_98C_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20240101__20240331_zL7YRMRJmX4g" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">1,890</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_98B_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20230101__20230331_zk63atju5yCg" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">14,728</td><td style="padding-bottom: 2.5pt; text-align: left"> </td> </tr> </table> 2869000 21753000 -1635000 -9000000 1001000 3018000 1657000 4993000 1890000 14728000 <table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--ScheduleOfChargeOffsOfFinanceReceivablesTableTextBlock_pn3n3_zaKGx1Xb6vHc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Charge-offs for financed receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BA_zVvXhaTtzOQ2" style="display: none">Schedule of gross charge-off</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"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three 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">March 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">2024</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 style="padding-bottom: 1pt; text-align: center"><span style="text-decoration: underline">Annual Vintage Pool</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="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: 45%; text-align: left">2014 and prior</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zIeKmMVlnKll" style="width: 13%; text-align: right" title="Charge-offs">70</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zpM5KzPHyOEd" style="width: 13%; text-align: right" title="Charge-offs">141</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_98E_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zrEM8l5EwlRc" style="text-align: right" title="Charge-offs">115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_z0Gm493vMpD7" style="text-align: right" title="Charge-offs">444</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_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zIOq4X7bIsea" style="text-align: right" title="Charge-offs">377</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zhDSlQxmB2Al" style="text-align: right" title="Charge-offs">1,321</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_98C_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zPNdTQsVYXB4" style="text-align: right" title="Charge-offs">481</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zPaiwIg9cFRi" style="text-align: right" title="Charge-offs">1,502</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_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_iN_pn3n3_di_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--AppliedAgainstReposInInventoryMemberMember_zAnPJFpLU5ik" style="border-bottom: Black 1pt solid; text-align: right" title="Applied against repos in inventory (net)">(42</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--AllowanceForDoubtfulAccountsReceivableRecoveries_iN_pn3n3_di_c20230101__20230331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--AppliedAgainstReposInInventoryMemberMember_zd4X2MVIJD9e" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-Offs for financed receivables applied">(390</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_987_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331_zEIm9iNqAluk" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">1,001</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--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20230101__20230331_zblMWNB1HWw7" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">3,018</td><td style="padding-bottom: 2.5pt; text-align: left"> </td> </tr> </table> 70000 141000 115000 444000 377000 1321000 481000 1502000 42000 390000 1001000 3018000 <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--AllowanceForLossesOnRepossessedInventoryTableTextBlock_pn3n3_zLVLeEHVrYm3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Finance Receivables (Details - Repossessed inventory)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B9_zQTgIwj4zFt9" style="display: none">Schedule of allowance for losses in 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"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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="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: 45%; text-align: left">Gross balance of repossessions in inventory</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_ecustom--GrossBalanceOfRepossessionsInInventory_pn3n3_c20240331_zvzzNDuDF7Be" style="width: 13%; text-align: right" title="Gross balance of repossessions in inventory">546</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--GrossBalanceOfRepossessionsInInventory_iI_pn3n3_c20231231_ztmwnhnVOyvl" style="width: 13%; text-align: right" title="Gross balance of repossessions in inventory">597</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-align: left">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--ValuationAllowancesAndReservesAdjustments_pn3n3_c20240101__20240331_zPCOfUDyXUod" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(429</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--ValuationAllowancesAndReservesAdjustments_pn3n3_c20230101__20231231_zk33Q9Clqqij" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(472</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--ForeclosedAssets_pn3n3_c20240331_zaigO6Qr7WWe" style="border-bottom: Black 2.5pt double; text-align: right" title="Net repossessed inventory included in other assets">117</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--ForeclosedAssets_pn3n3_c20231231_zUd7iQjil3pj" style="border-bottom: Black 2.5pt double; text-align: right" title="Net repossessed inventory included in other assets">125</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 546000 597000 -429000 -472000 117000 125000 <p id="xdx_80D_ecustom--SecuritizationTrustDebtTextBlock_znBbV1j2Suo1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(3) <i><span id="xdx_82B_zPcV4EzYCu0l">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: 0.25in">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_893_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_z1dR3Mx1NH6j" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Securitization Trust Debt (Details - Debt components)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8BD_zhwMNk1lNQ2b" style="display: none">Schedule of securitization trust debt</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: left"> </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><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> </td> <td colspan="2" style="text-align: left"> </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> </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 colspan="2" style="text-align: left"> </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> </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 colspan="2" style="font-weight: bold; text-align: center">Final</td><td style="font-weight: bold"> </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 colspan="2" style="font-weight: bold; text-align: center">Scheduled</td><td style="font-weight: bold"> </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 colspan="2" style="font-weight: bold; text-align: center">Payment</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">March 31,</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">March 31,</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 colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Date (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">2024 (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">2024</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">2024</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="18" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 14%">CPS 2019-B</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDEp_zdCsBYL8MmY8" style="width: 13%; text-align: left" title="Final Scheduled Payment Date">June 2026</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_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDIp_zXkh87RvNIhj" style="width: 11%; text-align: right" title="Receivables Pledged">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zxg4d2ceBYQb" style="width: 11%; text-align: right" title="Initial Principal">228,275</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_z6AZFIoSl63b" 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_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zCRc1qiKtQ7a" style="width: 11%; text-align: right" title="Outstanding Principal">15,742</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_909_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zUm30sHA0XV6" title="Weighted Average Contractual Interest Rate">–</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDEp_zNzHwP0XbR8k" style="text-align: left" title="Final Scheduled Payment Date">September 2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDIp_zuRLzPFYFdKe" style="text-align: right" title="Receivables Pledged">20,050</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zt92Jn6eT7le" 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_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zoX2z3pJFcZh" style="text-align: right" title="Outstanding Principal">15,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zTeaUzawYEq5" style="text-align: right" title="Outstanding Principal">19,725</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zQIkhLZnJzIe" title="Weighted Average Contractual Interest Rate">5.26</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDEp_znkhZlCcmJb6" style="text-align: left" title="Final Scheduled Payment Date">December 2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDIp_zkkw9AYssz73" style="text-align: right" title="Receivables Pledged">27,023</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zVO8Oj5YKqpi" 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_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zncruQaI9OKe" style="text-align: right" title="Outstanding Principal">21,811</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_z2wU6Fw84pB5" style="text-align: right" title="Outstanding Principal">27,445</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zKWBUezdvGcj" title="Weighted Average Contractual Interest Rate">4.50</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2020-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDEp_zV3VGDGZ6NN3" style="text-align: left" title="Final Scheduled Payment Date">March 2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDIp_z4zDeN8Z9aOd" style="text-align: right" title="Receivables Pledged">26,213</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_z3CbiDZha0Ki" 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_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_ziWZRoSYHo5" style="text-align: right" title="Outstanding Principal">21,459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zP5irwMT31W8" style="text-align: right" title="Outstanding Principal">26,382</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zNjGZBkbELx" title="Weighted Average Contractual Interest Rate">4.95</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDEp_zZEvGgE6J2Q6" style="text-align: left" title="Final Scheduled Payment Date">June 2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDIp_zIlI5oqCS98b" style="text-align: right" title="Receivables Pledged">31,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zH85OUjMXRZ7" 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_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zdhwxiE1IYIj" style="text-align: right" title="Outstanding Principal">20,745</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zSqJQI384jk4" style="text-align: right" title="Outstanding Principal">24,197</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_z7pD3q9EzT9l" title="Weighted Average Contractual Interest Rate">7.38</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2020-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zhM917x1clKh" style="text-align: left" title="Final Scheduled Payment Date">November 2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_zF3FEwdKwT88" style="text-align: right" title="Receivables Pledged">44,231</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_z2skHBdkd9Aa" 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_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zrqc4z4LMDK9" style="text-align: right" title="Outstanding Principal">37,586</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zmwCEMS5M1K9" style="text-align: right" title="Outstanding Principal">43,487</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zVAj6K18SYl1" title="Weighted Average Contractual Interest Rate">4.25</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDEp_ziK3Ij83a2zf" style="text-align: left" title="Final Scheduled Payment Date">March 2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDIp_zAtHJdf9Kkab" style="text-align: right" title="Receivables Pledged">48,164</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zT0e5kizyVGj" 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_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zHFJhmerZkRj" style="text-align: right" title="Outstanding Principal">34,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zEC3hDQJixc7" style="text-align: right" title="Outstanding Principal">39,039</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_909_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zoGbg3e9kSAi" title="Weighted Average Contractual Interest Rate">1.90</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_zljEwpMjrMvh" style="text-align: left" title="Final Scheduled Payment Date">June 2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDIp_zkCKOFgW6aCa" style="text-align: right" title="Receivables Pledged">61,128</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zfYp4PBeeSGd" 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_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zta2291g0dq1" style="text-align: right" title="Outstanding Principal">47,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zc7rNrldjUy1" style="text-align: right" title="Outstanding Principal">55,684</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zU09yXezkP0i" title="Weighted Average Contractual Interest Rate">2.71</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_zIHunsrEWJA4" style="text-align: left" title="Final Scheduled Payment Date">September 2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDIp_zf1A1kQBTCQ7" style="text-align: right" title="Receivables Pledged">93,137</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_z5VWcAD4Klg1" 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_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zwx7qpPdoCUh" style="text-align: right" title="Outstanding Principal">73,693</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zGO0lCdVzq6l" style="text-align: right" title="Outstanding Principal">85,563</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zDHaXhK5uYz7" title="Weighted Average Contractual Interest Rate">2.16</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zttve2Qtvx5d" style="text-align: left" title="Final Scheduled Payment Date">December 2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDIp_zTZuHVJVJ1Jk" style="text-align: right" title="Receivables Pledged">126,773</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zkjQWZ3VTGA5" 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_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_z2CEimnrq7S4" style="text-align: right" title="Outstanding Principal">110,294</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zciMRx434bo4" style="text-align: right" title="Outstanding Principal">126,059</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zAhCFLOOwMOj" title="Weighted Average Contractual Interest Rate">2.71</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zTV8ZeEGwEv7" style="text-align: left" title="Final Scheduled Payment Date">April 2029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDIp_zwkbUI1hwcH8" style="text-align: right" title="Receivables Pledged">141,660</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zFHVmOIuW33" 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_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zSdmu3dXDhMe" style="text-align: right" title="Outstanding Principal">120,884</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zxREXSJ6cJ32" style="text-align: right" title="Outstanding Principal">137,479</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zlarzdYMaF94" title="Weighted Average Contractual Interest Rate">2.93</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zEfdfpDXb158" style="text-align: left" title="Final Scheduled Payment Date">October 2029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDIp_zFuWKHPzKEii" style="text-align: right" title="Receivables Pledged">218,246</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_z7E1TvWRirtg" 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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zZZuaHRPjie1" style="text-align: right" title="Outstanding Principal">191,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zBWU4oqlv6sb" style="text-align: right" title="Outstanding Principal">213,779</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zv8V9yJI0A95" title="Weighted Average Contractual Interest Rate">5.07</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_zY1MTjmKD2yf" style="text-align: left" title="Final Scheduled Payment Date">April 2030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDIp_z3dIj3mMbKOe" style="text-align: right" title="Receivables Pledged">253,043</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_z4ki1kCHrvxe" 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_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zaeiwzPlXjEk" style="text-align: right" title="Outstanding Principal">205,529</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zXvNXyguNfsa" style="text-align: right" title="Outstanding Principal">230,273</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zn7QJ1uyPmUc" title="Weighted Average Contractual Interest Rate">5.97</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_z4Q56oPMydTb" style="text-align: left" title="Final Scheduled Payment Date">June 2030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDIp_zR3GrthyBnQe" style="text-align: right" title="Receivables Pledged">211,067</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zQ2xfj3QAbp1" 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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_ze91lB8C2C73" style="text-align: right" title="Outstanding Principal">185,573</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zmgc8cdSRhg5" style="text-align: right" title="Outstanding Principal">205,583</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zsu7fsGsD3Zk" title="Weighted Average Contractual Interest Rate">8.10</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDEp_zihjdNwxGAy6" style="text-align: left" title="Final Scheduled Payment Date">August 2030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDIp_zX0SjoLWXfRc" style="text-align: right" title="Receivables Pledged">251,394</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zYhezgIQoVX4" 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_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_z70lJmxWvTd9" style="text-align: right" title="Outstanding Principal">208,585</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_z3GnMn57XWkj" style="text-align: right" title="Outstanding Principal">231,906</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zSUd4PdwhJW9" title="Weighted Average Contractual Interest Rate">6.41</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDEp_ztfMhnIPSAW5" style="text-align: left" title="Final Scheduled Payment Date">November 2030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDIp_zCJ3ysx5nmIe" style="text-align: right" title="Receivables Pledged">275,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zFvHR5IReQI4" 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_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zoPxftYXWPx1" style="text-align: right" title="Outstanding Principal">241,966</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zuGADpIZY9Bc" style="text-align: right" title="Outstanding Principal">268,172</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_z58KxkKj2bY2" title="Weighted Average Contractual Interest Rate">6.66</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDEp_zfcmoGrqzv2b" style="text-align: left" title="Final Scheduled Payment Date">February 2031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDIp_z0Mn8hwrO73e" style="text-align: right" title="Receivables Pledged">259,928</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zbkDuvNKdMA9" style="text-align: right" title="Initial Principal">291,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zeqcobax7ITb" style="text-align: right" title="Outstanding Principal">236,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zISBKstQ8AOd" style="text-align: right" title="Outstanding Principal">257,568</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zNCGe7K9yFcc" title="Weighted Average Contractual Interest Rate">6.70</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDEp_zpxH8IOY0Hs" style="text-align: left" title="Final Scheduled Payment Date">May 2031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDIp_zt8IfVTlMHL4" style="text-align: right" title="Receivables Pledged">275,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zbq0X6Oyf613" style="text-align: right" title="Initial Principal">286,149</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zabsvwR4nAJl" style="text-align: right" title="Outstanding Principal">252,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zTn6RdG52Xi6" style="text-align: right" title="Outstanding Principal">271,939</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_ziRhmgws8C24" title="Weighted Average Contractual Interest Rate">7.29</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">CPS 2024-A</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDEp_znuwtytsTyj3" style="padding-bottom: 1pt; text-align: left" title="Final Scheduled Payment Date">August 2031</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--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDIp_z1KsrOSixdNg" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged">287,710</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_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zEaoHzprQYD9" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">280,924</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--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_z04GAoVBNrPa" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">266,246</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--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zGaAqT0g97Hk" 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_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zZOuenMjbgXb" title="Weighted Average Contractual Interest Rate">6.09</span>%</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="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20240101__20240331_fKDEp_zMJW5lkdMqR" style="padding-bottom: 2.5pt; text-align: left" title="Final Scheduled Payment Date"><b style="display: none">–</b></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--ReceivablesPledged_iI_pn3n3_c20240331_fKDIp_zawUaGyzLJX5" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged">2,652,004</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">$</td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331_z7tbVL25OyEe" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">5,498,867</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331_zIjh7R9ZyJ4b" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">2,292,235</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_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231_zBRL1DF6ymE6" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">2,280,021</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="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: 4%"><i id="xdx_F00_z3FEZQ4YaH8f">(1)</i></td><td style="text-align: justify; width: 96%"><i id="xdx_F1A_zQ2crHwlro04">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_906_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zYvM64ttZYtb" title="Securitization trust debt, payable in 2024">644.3</span> million in 2024, $<span id="xdx_90F_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zSXyBPrsAkp6" title="Securitization trust debt, payable in 2025">691.9</span> million in 2025, $<span id="xdx_906_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zq3Vv19JTBPb" title="Securitization trust debt, payable in 2026">435.8 </span>million in 2026, $<span id="xdx_904_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zyKTB5e76vG5" title="Securitization trust debt, payable in 2027">284.8</span> million in 2027, $<span id="xdx_90B_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_znlP1NqgB467" title="Securitization trust debt, payable in 2028">169.4</span> million in 2028, and $<span id="xdx_903_ecustom--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSix_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z68KPN7w7NGe" title="Securitization trust debt, payable in 2029">51.5</span> million in 2029.</i></td></tr> <tr style="vertical-align: top"> <td><i id="xdx_F0B_zirwlg06eQv3">(2)</i></td><td style="text-align: left"><i id="xdx_F12_ztPvXSULncE3">Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.</i></td></tr></table> <p id="xdx_8A8_z89zLO81mDei" 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: 0.25in">Debt issuance costs of $<span id="xdx_90B_eus-gaap--DeferredFinanceCostsGross_iI_pn5n6_c20240331_z9ZvzOm8h5Ak" title="Debt issuance costs"><span id="xdx_901_eus-gaap--DeferredFinanceCostsGross_iI_pn5n6_c20231231_zY3jmRcNADW" title="Debt issuance costs">14.6</span></span> million as of March 31, 2024 and December 31, 2023 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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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 March 31, 2024, 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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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 March 31, 2024, restricted cash under the various agreements totaled approximately $<span id="xdx_90B_eus-gaap--RestrictedCash_iI_pn5n6_c20240331_zOMsBvTgPBBg" title="Restricted cash under various agreements">137.7</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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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_893_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_z1dR3Mx1NH6j" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Securitization Trust Debt (Details - Debt components)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8BD_zhwMNk1lNQ2b" style="display: none">Schedule of securitization trust debt</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: left"> </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><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> </td> <td colspan="2" style="text-align: left"> </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> </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 colspan="2" style="text-align: left"> </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> </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 colspan="2" style="font-weight: bold; text-align: center">Final</td><td style="font-weight: bold"> </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 colspan="2" style="font-weight: bold; text-align: center">Scheduled</td><td style="font-weight: bold"> </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 colspan="2" style="font-weight: bold; text-align: center">Payment</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">March 31,</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">March 31,</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 colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Date (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">2024 (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">2024</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">2024</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="18" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 14%">CPS 2019-B</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDEp_zdCsBYL8MmY8" style="width: 13%; text-align: left" title="Final Scheduled Payment Date">June 2026</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_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDIp_zXkh87RvNIhj" style="width: 11%; text-align: right" title="Receivables Pledged">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zxg4d2ceBYQb" style="width: 11%; text-align: right" title="Initial Principal">228,275</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_z6AZFIoSl63b" 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_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zCRc1qiKtQ7a" style="width: 11%; text-align: right" title="Outstanding Principal">15,742</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_909_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zUm30sHA0XV6" title="Weighted Average Contractual Interest Rate">–</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDEp_zNzHwP0XbR8k" style="text-align: left" title="Final Scheduled Payment Date">September 2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDIp_zuRLzPFYFdKe" style="text-align: right" title="Receivables Pledged">20,050</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zt92Jn6eT7le" 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_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zoX2z3pJFcZh" style="text-align: right" title="Outstanding Principal">15,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zTeaUzawYEq5" style="text-align: right" title="Outstanding Principal">19,725</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zQIkhLZnJzIe" title="Weighted Average Contractual Interest Rate">5.26</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDEp_znkhZlCcmJb6" style="text-align: left" title="Final Scheduled Payment Date">December 2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDIp_zkkw9AYssz73" style="text-align: right" title="Receivables Pledged">27,023</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zVO8Oj5YKqpi" 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_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zncruQaI9OKe" style="text-align: right" title="Outstanding Principal">21,811</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_z2wU6Fw84pB5" style="text-align: right" title="Outstanding Principal">27,445</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zKWBUezdvGcj" title="Weighted Average Contractual Interest Rate">4.50</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2020-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDEp_zV3VGDGZ6NN3" style="text-align: left" title="Final Scheduled Payment Date">March 2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDIp_z4zDeN8Z9aOd" style="text-align: right" title="Receivables Pledged">26,213</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_z3CbiDZha0Ki" 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_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_ziWZRoSYHo5" style="text-align: right" title="Outstanding Principal">21,459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zP5irwMT31W8" style="text-align: right" title="Outstanding Principal">26,382</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zNjGZBkbELx" title="Weighted Average Contractual Interest Rate">4.95</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDEp_zZEvGgE6J2Q6" style="text-align: left" title="Final Scheduled Payment Date">June 2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDIp_zIlI5oqCS98b" style="text-align: right" title="Receivables Pledged">31,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zH85OUjMXRZ7" 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_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zdhwxiE1IYIj" style="text-align: right" title="Outstanding Principal">20,745</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zSqJQI384jk4" style="text-align: right" title="Outstanding Principal">24,197</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_z7pD3q9EzT9l" title="Weighted Average Contractual Interest Rate">7.38</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2020-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zhM917x1clKh" style="text-align: left" title="Final Scheduled Payment Date">November 2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_zF3FEwdKwT88" style="text-align: right" title="Receivables Pledged">44,231</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_z2skHBdkd9Aa" 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_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zrqc4z4LMDK9" style="text-align: right" title="Outstanding Principal">37,586</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zmwCEMS5M1K9" style="text-align: right" title="Outstanding Principal">43,487</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zVAj6K18SYl1" title="Weighted Average Contractual Interest Rate">4.25</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDEp_ziK3Ij83a2zf" style="text-align: left" title="Final Scheduled Payment Date">March 2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDIp_zAtHJdf9Kkab" style="text-align: right" title="Receivables Pledged">48,164</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zT0e5kizyVGj" 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_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zHFJhmerZkRj" style="text-align: right" title="Outstanding Principal">34,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zEC3hDQJixc7" style="text-align: right" title="Outstanding Principal">39,039</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_909_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zoGbg3e9kSAi" title="Weighted Average Contractual Interest Rate">1.90</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_zljEwpMjrMvh" style="text-align: left" title="Final Scheduled Payment Date">June 2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDIp_zkCKOFgW6aCa" style="text-align: right" title="Receivables Pledged">61,128</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zfYp4PBeeSGd" 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_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zta2291g0dq1" style="text-align: right" title="Outstanding Principal">47,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zc7rNrldjUy1" style="text-align: right" title="Outstanding Principal">55,684</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zU09yXezkP0i" title="Weighted Average Contractual Interest Rate">2.71</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_zIHunsrEWJA4" style="text-align: left" title="Final Scheduled Payment Date">September 2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDIp_zf1A1kQBTCQ7" style="text-align: right" title="Receivables Pledged">93,137</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_z5VWcAD4Klg1" 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_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zwx7qpPdoCUh" style="text-align: right" title="Outstanding Principal">73,693</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zGO0lCdVzq6l" style="text-align: right" title="Outstanding Principal">85,563</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zDHaXhK5uYz7" title="Weighted Average Contractual Interest Rate">2.16</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zttve2Qtvx5d" style="text-align: left" title="Final Scheduled Payment Date">December 2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDIp_zTZuHVJVJ1Jk" style="text-align: right" title="Receivables Pledged">126,773</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zkjQWZ3VTGA5" 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_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_z2CEimnrq7S4" style="text-align: right" title="Outstanding Principal">110,294</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zciMRx434bo4" style="text-align: right" title="Outstanding Principal">126,059</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zAhCFLOOwMOj" title="Weighted Average Contractual Interest Rate">2.71</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zTV8ZeEGwEv7" style="text-align: left" title="Final Scheduled Payment Date">April 2029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDIp_zwkbUI1hwcH8" style="text-align: right" title="Receivables Pledged">141,660</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zFHVmOIuW33" 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_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zSdmu3dXDhMe" style="text-align: right" title="Outstanding Principal">120,884</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zxREXSJ6cJ32" style="text-align: right" title="Outstanding Principal">137,479</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zlarzdYMaF94" title="Weighted Average Contractual Interest Rate">2.93</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zEfdfpDXb158" style="text-align: left" title="Final Scheduled Payment Date">October 2029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDIp_zFuWKHPzKEii" style="text-align: right" title="Receivables Pledged">218,246</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_z7E1TvWRirtg" 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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zZZuaHRPjie1" style="text-align: right" title="Outstanding Principal">191,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zBWU4oqlv6sb" style="text-align: right" title="Outstanding Principal">213,779</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zv8V9yJI0A95" title="Weighted Average Contractual Interest Rate">5.07</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_zY1MTjmKD2yf" style="text-align: left" title="Final Scheduled Payment Date">April 2030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDIp_z3dIj3mMbKOe" style="text-align: right" title="Receivables Pledged">253,043</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_z4ki1kCHrvxe" 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_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zaeiwzPlXjEk" style="text-align: right" title="Outstanding Principal">205,529</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zXvNXyguNfsa" style="text-align: right" title="Outstanding Principal">230,273</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zn7QJ1uyPmUc" title="Weighted Average Contractual Interest Rate">5.97</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_z4Q56oPMydTb" style="text-align: left" title="Final Scheduled Payment Date">June 2030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDIp_zR3GrthyBnQe" style="text-align: right" title="Receivables Pledged">211,067</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zQ2xfj3QAbp1" 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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_ze91lB8C2C73" style="text-align: right" title="Outstanding Principal">185,573</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zmgc8cdSRhg5" style="text-align: right" title="Outstanding Principal">205,583</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zsu7fsGsD3Zk" title="Weighted Average Contractual Interest Rate">8.10</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDEp_zihjdNwxGAy6" style="text-align: left" title="Final Scheduled Payment Date">August 2030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDIp_zX0SjoLWXfRc" style="text-align: right" title="Receivables Pledged">251,394</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zYhezgIQoVX4" 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_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_z70lJmxWvTd9" style="text-align: right" title="Outstanding Principal">208,585</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_z3GnMn57XWkj" style="text-align: right" title="Outstanding Principal">231,906</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zSUd4PdwhJW9" title="Weighted Average Contractual Interest Rate">6.41</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDEp_ztfMhnIPSAW5" style="text-align: left" title="Final Scheduled Payment Date">November 2030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDIp_zCJ3ysx5nmIe" style="text-align: right" title="Receivables Pledged">275,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zFvHR5IReQI4" 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_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zoPxftYXWPx1" style="text-align: right" title="Outstanding Principal">241,966</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zuGADpIZY9Bc" style="text-align: right" title="Outstanding Principal">268,172</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_z58KxkKj2bY2" title="Weighted Average Contractual Interest Rate">6.66</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDEp_zfcmoGrqzv2b" style="text-align: left" title="Final Scheduled Payment Date">February 2031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDIp_z0Mn8hwrO73e" style="text-align: right" title="Receivables Pledged">259,928</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zbkDuvNKdMA9" style="text-align: right" title="Initial Principal">291,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zeqcobax7ITb" style="text-align: right" title="Outstanding Principal">236,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zISBKstQ8AOd" style="text-align: right" title="Outstanding Principal">257,568</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zNCGe7K9yFcc" title="Weighted Average Contractual Interest Rate">6.70</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDEp_zpxH8IOY0Hs" style="text-align: left" title="Final Scheduled Payment Date">May 2031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDIp_zt8IfVTlMHL4" style="text-align: right" title="Receivables Pledged">275,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zbq0X6Oyf613" style="text-align: right" title="Initial Principal">286,149</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zabsvwR4nAJl" style="text-align: right" title="Outstanding Principal">252,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zTn6RdG52Xi6" style="text-align: right" title="Outstanding Principal">271,939</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_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_ziRhmgws8C24" title="Weighted Average Contractual Interest Rate">7.29</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">CPS 2024-A</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20240101__20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDEp_znuwtytsTyj3" style="padding-bottom: 1pt; text-align: left" title="Final Scheduled Payment Date">August 2031</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--ReceivablesPledged_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDIp_z1KsrOSixdNg" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged">287,710</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_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zEaoHzprQYD9" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">280,924</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--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_z04GAoVBNrPa" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">266,246</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--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20231231__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zGaAqT0g97Hk" 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_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zZOuenMjbgXb" title="Weighted Average Contractual Interest Rate">6.09</span>%</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="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20240101__20240331_fKDEp_zMJW5lkdMqR" style="padding-bottom: 2.5pt; text-align: left" title="Final Scheduled Payment Date"><b style="display: none">–</b></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--ReceivablesPledged_iI_pn3n3_c20240331_fKDIp_zawUaGyzLJX5" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged">2,652,004</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">$</td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20240331_z7tbVL25OyEe" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">5,498,867</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20240331_zIjh7R9ZyJ4b" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">2,292,235</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_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20231231_zBRL1DF6ymE6" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">2,280,021</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="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: 4%"><i id="xdx_F00_z3FEZQ4YaH8f">(1)</i></td><td style="text-align: justify; width: 96%"><i id="xdx_F1A_zQ2crHwlro04">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_906_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zYvM64ttZYtb" title="Securitization trust debt, payable in 2024">644.3</span> million in 2024, $<span id="xdx_90F_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zSXyBPrsAkp6" title="Securitization trust debt, payable in 2025">691.9</span> million in 2025, $<span id="xdx_906_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zq3Vv19JTBPb" title="Securitization trust debt, payable in 2026">435.8 </span>million in 2026, $<span id="xdx_904_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zyKTB5e76vG5" title="Securitization trust debt, payable in 2027">284.8</span> million in 2027, $<span id="xdx_90B_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_znlP1NqgB467" title="Securitization trust debt, payable in 2028">169.4</span> million in 2028, and $<span id="xdx_903_ecustom--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSix_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z68KPN7w7NGe" title="Securitization trust debt, payable in 2029">51.5</span> million in 2029.</i></td></tr> <tr style="vertical-align: top"> <td><i id="xdx_F0B_zirwlg06eQv3">(2)</i></td><td style="text-align: left"><i id="xdx_F12_ztPvXSULncE3">Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.</i></td></tr></table> June 2026 0 228275000 0 15742000 0 September 2026 20050000 243513000 15489000 19725000 0.0526 December 2026 27023000 274313000 21811000 27445000 0.0450 March 2027 26213000 260000000 21459000 26382000 0.0495 June 2027 31296000 202343000 20745000 24197000 0.0738 November 2027 44231000 252200000 37586000 43487000 0.0425 March 2028 48164000 230545000 34383000 39039000 0.0190 June 2028 61128000 240000000 47473000 55684000 0.0271 September 2028 93137000 291000000 73693000 85563000 0.0216 December 2028 126773000 349202000 110294000 126059000 0.0271 April 2029 141660000 316800000 120884000 137479000 0.0293 October 2029 218246000 395600000 191200000 213779000 0.0507 April 2030 253043000 391600000 205529000 230273000 0.0597 June 2030 211067000 307018000 185573000 205583000 0.0810 August 2030 251394000 324768000 208585000 231906000 0.0641 November 2030 275600000 332885000 241966000 268172000 0.0666 February 2031 259928000 291732000 236937000 257568000 0.0670 May 2031 275342000 286149000 252383000 271939000 0.0729 August 2031 287710000 280924000 266246000 0 0.0609 – 2652004000 5498867000 2292235000 2280021000 644300000 691900000 435800000 284800000 169400000 51500000 14600000 14600000 137700000 <p id="xdx_80E_eus-gaap--DebtDisclosureTextBlock_zeYJEqvYouw1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(4) <i><span id="xdx_825_zPSTEDc7e8Gl">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: 0.25in">The terms and amounts of our other debt outstanding at March 31, 2024 and December 31, 2023 are summarized below:</p> <table cellpadding="0" cellspacing="0" id="xdx_885_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_zi1WWEb9Hqt3" 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; background-color: White"> <td><span id="xdx_8BF_ztXy165eIJCh" style="display: none"> Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <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"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Amount Outstanding at</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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="padding-bottom: 1pt"> </td> <td> </td><td style="padding-bottom: 1pt"> </td> <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">2024</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> </td> <td> </td><td> </td> <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"> <td style="text-align: center"><span style="text-decoration: underline">Description</span></td><td> </td> <td style="text-align: center"><span style="text-decoration: underline">Interest Rate</span></td><td> </td> <td style="text-align: center"><span style="text-decoration: underline">Maturity</span></td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 20%; text-align: left">Warehouse lines of credit</td><td style="width: 1%"> </td> <td style="width: 23%; text-align: center"><span id="xdx_90D_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zn6drlq5bBgl" title="Interest rate"><span id="xdx_906_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20230101__20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zAZNTEBuNW0e" title="Interest rate">3.00% over CP yield rate (Minimum 3.75%) 8.42% and 8.58%</span></span> at March 31, 2024 and December 31 2023, respectively</td><td style="width: 1%"> </td> <td style="width: 23%; text-align: center"><span id="xdx_903_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zKamAwoSiDpd" title="Maturity date description">July 2024</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--WarehouseAgreementBorrowings_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z4BvcR8kWGD4" style="width: 13%; text-align: right" title="Warehouse lines of credit">184,079</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--WarehouseAgreementBorrowings_iI_pn3n3_c20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zqUQccoBy9kf" style="width: 13%; text-align: right" title="Warehouse lines of credit">165,628</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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> </td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z7UN4vL2zNlj" title="Interest rate"><span id="xdx_90A_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20230101__20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zkFuRx8V3dKb" title="Interest rate">4.50% over a commercial paper rate (Minimum 7.50%) 9.94% and 9.63%</span></span> at March 31 2024, and December 31 2023, respectively</td><td> </td> <td style="text-align: center"><span id="xdx_906_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zbXyrPr4Qfrk" title="Maturity date description">March 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--WarehouseAgreementBorrowings_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zIItzone9zkg" style="text-align: right" title="Warehouse lines of credit">67,721</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z801ju4OlGja" style="text-align: right" title="Warehouse lines of credit">68,997</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zOS563pmWAxe" title="Interest rate">7.86</span>%</td><td> </td> <td style="text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zekRLGpgkCTf" title="Maturity date description">June 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ResidualInterestFinancing_iI_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zVix38yhZMge" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ResidualInterestFinancing_pn3n3_c20231231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zRgyFlvYOnvf" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </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="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_90E_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zN8KIoD9DbO4" title="Interest rate">11.50</span>%</td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zGqJXdDK6m5i" title="Maturity date description">March 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ResidualInterestFinancing_iI_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_z4ihdgJDTTPl" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20231231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zxUqoUjipQ5j" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </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="padding-bottom: 1pt; text-align: left">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center">Weighted average rate of <span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zHURQ2lQD1Sg" title="Debt Instrument, Interest Rate Terms">9.01</span>% and <span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20231231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zj0LHh9CJfOd" title="Debt Instrument, Interest Rate Terms">8.45</span>% at March 31, 2024 and December 31, 2023, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center">Weighted average maturity of <span id="xdx_901_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zaxPQVVVYYe3" title="Maturity date description">May 2026</span> and <span id="xdx_907_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20231231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_z7M70684Pv11" title="Maturity date description">February 2026</span> at March 31, 2024 and December 31, 2023, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--SubordinatedDebt_iI_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zuyUDgF1M5i3" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">22,140</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--SubordinatedDebt_pn3n3_c20231231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zpWX0Sepkrfh" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">17,188</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: center"> </td><td> </td> <td style="text-align: center"> </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="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; 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_983_eus-gaap--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20240331_zuo7EUPztuyc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">373,940</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--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20231231_zf1qjzZCSIm2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">301,813</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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">On March 29, 2024, we renewed our two-year $<span id="xdx_906_eus-gaap--ProceedsFromLinesOfCredit_pn6n6_c20240328__20240329__us-gaap--DebtInstrumentAxis__custom--AresAgentServicesLPMember_zQeGt9GOhw3b" title="Line of credit revolving amount">200</span> million revolving credit agreement with Ares Agent Services, L.P. The revolving period for this facility was extended to March 2026 followed by an amortization period through March 2028 for any receivables pledged at the end of the revolving period. There was $<span id="xdx_901_eus-gaap--LineOfCreditFacilityAverageOutstandingAmount_pn5n6_c20240101__20240331__us-gaap--DebtInstrumentAxis__custom--AresAgentServicesLPMember_z2HtlFIHRZCl" title="Line of credit outstanding facility amount">67.7</span> million outstanding under this facility at March 31, 2024.</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: 0.25in">On March 22, 2024, we completed a $<span id="xdx_908_ecustom--SecuritizationOfResidualInterests_iI_pn6n6_c20240322_ze35BKiCxHag" title="Securitization of residual interests">50</span> million securitization of residual interests from previously issued securitizations. In the transaction, a qualified institutional buyer purchased $<span id="xdx_905_eus-gaap--ProceedsFromSecuredNotesPayable_pn6n6_c20240321__20240322_zQgYugwzf5Qe" title="Purchase of secured notes">50</span>.0 million of asset-backed notes secured by an 80% interest in a CPS affiliate that owns the residual interests in five CPS securitizations issued from January 2022 through January 2023. The sold notes (“2024-1 Notes”), issued by CPS Auto Securitization Trust 2024-1, consist of a single class with a coupon of 11.50%. At March 31, 2024 there was $<span id="xdx_90D_ecustom--SecuritizationOfResidualInterestsOutstanding_iI_pn6n6_c20240331_zqUC7iapR9lb" title="Securitization of residual interests outstanding">50</span>.0 million outstanding under this facility.</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: 0.25in">On July 15, 2022, we renewed our two-year revolving credit agreement with Citibank, N.A., and doubled the capacity from $<span id="xdx_90C_eus-gaap--LineOfCredit_iI_pn6n6_c20240715__us-gaap--DebtInstrumentAxis__custom--CitibankNAMember__srt--RangeAxis__srt--MinimumMember__srt--StatementScenarioAxis__srt--ScenarioForecastMember_zanaaPPqFnc" title="Line of credit revolving amount">100</span> million to $<span id="xdx_905_eus-gaap--LineOfCredit_iI_pn6n6_c20240715__us-gaap--DebtInstrumentAxis__custom--CitibankNAMember__srt--RangeAxis__srt--MaximumMember__srt--StatementScenarioAxis__srt--ScenarioForecastMember_zEcY0hKo8Gjc" title="Line of credit revolving amount">200</span> million. 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. There was $<span id="xdx_905_ecustom--SecuritizationOfResidualInterestsOutstanding_iI_pn5n6_c20240331__us-gaap--DebtInstrumentAxis__custom--CitibankNAMember_zGwKlnX47Z49" title="Securitization of residual interests outstanding">184.1</span> million outstanding under this facility at March 31, 2024.</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: 0.25in">Unamortized debt issuance costs of $<span id="xdx_90B_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn6n6_c20240331_zEzpiR1wjCeb" title="Unamortized debt issuance costs">1</span>.0 million and $<span id="xdx_903_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_c20231231_ziCChhvkT6R" title="Unamortized debt issuance costs">125,000</span> as of March 31, 2024 and December 31, 2023, respectively, have been excluded from the amount reported above for residual interest financing. Similarly, unamortized debt issuance costs of $<span id="xdx_903_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn5n6_c20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zWmZaxMYrhb4" title="Unamortized debt issuance costs">2.3</span> million and $<span id="xdx_90D_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_c20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zMNczvfZLZ8a" title="Unamortized debt issuance costs">599,000</span> as of March 31, 2024 and December 31, 2023, 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_885_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_zi1WWEb9Hqt3" 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; background-color: White"> <td><span id="xdx_8BF_ztXy165eIJCh" style="display: none"> Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <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"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Amount Outstanding at</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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="padding-bottom: 1pt"> </td> <td> </td><td style="padding-bottom: 1pt"> </td> <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">2024</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> </td> <td> </td><td> </td> <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"> <td style="text-align: center"><span style="text-decoration: underline">Description</span></td><td> </td> <td style="text-align: center"><span style="text-decoration: underline">Interest Rate</span></td><td> </td> <td style="text-align: center"><span style="text-decoration: underline">Maturity</span></td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 20%; text-align: left">Warehouse lines of credit</td><td style="width: 1%"> </td> <td style="width: 23%; text-align: center"><span id="xdx_90D_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zn6drlq5bBgl" title="Interest rate"><span id="xdx_906_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20230101__20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zAZNTEBuNW0e" title="Interest rate">3.00% over CP yield rate (Minimum 3.75%) 8.42% and 8.58%</span></span> at March 31, 2024 and December 31 2023, respectively</td><td style="width: 1%"> </td> <td style="width: 23%; text-align: center"><span id="xdx_903_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zKamAwoSiDpd" title="Maturity date description">July 2024</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--WarehouseAgreementBorrowings_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z4BvcR8kWGD4" style="width: 13%; text-align: right" title="Warehouse lines of credit">184,079</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--WarehouseAgreementBorrowings_iI_pn3n3_c20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zqUQccoBy9kf" style="width: 13%; text-align: right" title="Warehouse lines of credit">165,628</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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> </td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z7UN4vL2zNlj" title="Interest rate"><span id="xdx_90A_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20230101__20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zkFuRx8V3dKb" title="Interest rate">4.50% over a commercial paper rate (Minimum 7.50%) 9.94% and 9.63%</span></span> at March 31 2024, and December 31 2023, respectively</td><td> </td> <td style="text-align: center"><span id="xdx_906_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zbXyrPr4Qfrk" title="Maturity date description">March 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--WarehouseAgreementBorrowings_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zIItzone9zkg" style="text-align: right" title="Warehouse lines of credit">67,721</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20231231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z801ju4OlGja" style="text-align: right" title="Warehouse lines of credit">68,997</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zOS563pmWAxe" title="Interest rate">7.86</span>%</td><td> </td> <td style="text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zekRLGpgkCTf" title="Maturity date description">June 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ResidualInterestFinancing_iI_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zVix38yhZMge" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ResidualInterestFinancing_pn3n3_c20231231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zRgyFlvYOnvf" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </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="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_90E_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zN8KIoD9DbO4" title="Interest rate">11.50</span>%</td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zGqJXdDK6m5i" title="Maturity date description">March 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ResidualInterestFinancing_iI_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_z4ihdgJDTTPl" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20231231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zxUqoUjipQ5j" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </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="padding-bottom: 1pt; text-align: left">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center">Weighted average rate of <span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20240331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zHURQ2lQD1Sg" title="Debt Instrument, Interest Rate Terms">9.01</span>% and <span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20231231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zj0LHh9CJfOd" title="Debt Instrument, Interest Rate Terms">8.45</span>% at March 31, 2024 and December 31, 2023, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center">Weighted average maturity of <span id="xdx_901_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20240331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zaxPQVVVYYe3" title="Maturity date description">May 2026</span> and <span id="xdx_907_eus-gaap--DebtInstrumentMaturityDateDescription_c20230101__20231231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_z7M70684Pv11" title="Maturity date description">February 2026</span> at March 31, 2024 and December 31, 2023, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--SubordinatedDebt_iI_pn3n3_c20240331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zuyUDgF1M5i3" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">22,140</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--SubordinatedDebt_pn3n3_c20231231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zpWX0Sepkrfh" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">17,188</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: center"> </td><td> </td> <td style="text-align: center"> </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="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; 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_983_eus-gaap--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20240331_zuo7EUPztuyc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">373,940</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--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20231231_zf1qjzZCSIm2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">301,813</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 3.00% over CP yield rate (Minimum 3.75%) 8.42% and 8.58% 3.00% over CP yield rate (Minimum 3.75%) 8.42% and 8.58% July 2024 184079000 165628000 4.50% over a commercial paper rate (Minimum 7.50%) 9.94% and 9.63% 4.50% over a commercial paper rate (Minimum 7.50%) 9.94% and 9.63% March 2026 67721000 68997000 0.0786 June 2026 50000000 50000000 0.1150 March 2029 50000000 0 0.0901 0.0845 May 2026 February 2026 22140000 17188000 373940000 301813000 200000000 67700000 50000000 50000000 50000000 100000000 200000000 184100000 1000000 125000 2300000 599000 <p id="xdx_806_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTextBlock_z7IIu3gfHC99" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><b>(5) <i><span id="xdx_82F_zpS9PKlx3oC">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: 0.25in">The following table presents the components of interest income:</p> <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zsweRGT5Nvm6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8BC_zsR0jnCvGSQ4" style="display: none">Schedule of interest income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20240101__20240331_zO7Qq1pGgl0k" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20230101__20230331_zVpgtMSYOCw9" 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></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">March 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">2024</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 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_403_eus-gaap--InvestmentIncomeNet_pn3n3_zkXtl8Kj3O64" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Interest on finance receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">2,337</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">4,662</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_zayPTg7tJNTg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">80,505</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">74,058</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--InterestAndOtherIncome_pn3n3_zviCJri0Xea5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,446</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,342</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_zOCTfRaUuZxh" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">84,288</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">80,062</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zFr4drILqQg2" 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: 0.25in">The following table presents the components of interest expense:</p> <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zkLMjsNHhla8" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BE_z7je1Oyt6r3h" 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></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> </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">March 31,</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">2024</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 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> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Securitization trust debt</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z6zZnSojKU5j" style="width: 13%; text-align: right" title="Interest expense">35,932</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20230101__20230331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zwP1ACnRbMOg" style="width: 13%; text-align: right" title="Interest expense">26,353</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_98E_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zpOhFI8JKTSh" style="text-align: right" title="Interest expense">4,321</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--InterestExpense_pn3n3_c20230101__20230331__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zNU6XMdqs204" style="text-align: right" title="Interest expense">4,848</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_983_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zGIJZeLquc8i" style="text-align: right" title="Interest expense">1,209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--InterestExpense_pn3n3_c20230101__20230331__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zEm1t83pymt3" style="text-align: right" title="Interest expense">1,050</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_983_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zJYRKAvjVaQd" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">506</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__20230331__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zl70OcPvbAB4" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">508</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></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_982_eus-gaap--InterestExpense_pn3n3_c20240101__20240331_zD5ezOS9bG25" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">41,968</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--InterestExpense_pn3n3_c20230101__20230331_zBt8MhDvCIs" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">32,759</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_zEyAYaRhMNhk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zsweRGT5Nvm6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8BC_zsR0jnCvGSQ4" style="display: none">Schedule of interest income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20240101__20240331_zO7Qq1pGgl0k" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20230101__20230331_zVpgtMSYOCw9" 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></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">March 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">2024</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 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_403_eus-gaap--InvestmentIncomeNet_pn3n3_zkXtl8Kj3O64" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Interest on finance receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">2,337</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">4,662</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_zayPTg7tJNTg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">80,505</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">74,058</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--InterestAndOtherIncome_pn3n3_zviCJri0Xea5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,446</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,342</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_zOCTfRaUuZxh" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">84,288</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">80,062</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2337000 4662000 80505000 74058000 1446000 1342000 84288000 80062000 <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zkLMjsNHhla8" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BE_z7je1Oyt6r3h" 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></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> </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">March 31,</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">2024</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 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> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: left">Securitization trust debt</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z6zZnSojKU5j" style="width: 13%; text-align: right" title="Interest expense">35,932</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20230101__20230331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zwP1ACnRbMOg" style="width: 13%; text-align: right" title="Interest expense">26,353</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_98E_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zpOhFI8JKTSh" style="text-align: right" title="Interest expense">4,321</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--InterestExpense_pn3n3_c20230101__20230331__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zNU6XMdqs204" style="text-align: right" title="Interest expense">4,848</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_983_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zGIJZeLquc8i" style="text-align: right" title="Interest expense">1,209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--InterestExpense_pn3n3_c20230101__20230331__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zEm1t83pymt3" style="text-align: right" title="Interest expense">1,050</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_983_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zJYRKAvjVaQd" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">506</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__20230331__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zl70OcPvbAB4" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">508</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></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_982_eus-gaap--InterestExpense_pn3n3_c20240101__20240331_zD5ezOS9bG25" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">41,968</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--InterestExpense_pn3n3_c20230101__20230331_zBt8MhDvCIs" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">32,759</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 35932000 26353000 4321000 4848000 1209000 1050000 506000 508000 41968000 32759000 <p id="xdx_808_eus-gaap--EarningsPerShareTextBlock_zFwUHu4aiPv1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(6) <i><span id="xdx_828_zi4qumnicaA8">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: 0.25in">Earnings per share for the three-month periods ended March 31, 2024 and 2023 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 periods ended March 31, 2024 and 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zznsvAnG17Fj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Earnings Per Share (Details - Earnings per share)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left"><span id="xdx_8BB_zmTQHvqtRw44" style="display: none">Schedule of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20240101__20240331_zNq3qhXBUahi" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230101__20230331_zhEYTfLZTuG1" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"></td><td> </td> <td colspan="6" style="text-align: center"><b>Three Months Ended</b></td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"></td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><b>March 31,</b></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">2024</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 style="font-weight: bold; text-align: center"></td><td> </td> <td colspan="6" style="text-align: center"><b>(In thousands)</b></td><td> </td></tr> <tr id="xdx_40B_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_zqwrYsC9vXS1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 45%; text-align: left">Weighted average number of common shares outstanding during the period used to compute basic earnings per share</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">21,143</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">20,418</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_zuJ6jtNW28Ci" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">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">3,459</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">4,974</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_pn3n3_zkv7kKp1AzY7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">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">24,602</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">25,392</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: 0.25in"> </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; text-align: justify; text-indent: 0.25in">If the anti-dilutive effects of common stock equivalents were considered, shares included in the diluted earnings per share calculation for the three-months ended March 31, 2024 and 2023 would have included an additional <span id="xdx_902_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn5n6_c20240101__20240331_zsijkXacduL1" title="Antidilutive shares"><span id="xdx_907_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn5n6_c20230101__20230331_z4w6RMXmZc48" title="Antidilutive shares">1.7</span></span> million shares attributable to the exercise of outstanding options and warrants.</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_88B_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zznsvAnG17Fj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Earnings Per Share (Details - Earnings per share)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left"><span id="xdx_8BB_zmTQHvqtRw44" style="display: none">Schedule of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20240101__20240331_zNq3qhXBUahi" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20230101__20230331_zhEYTfLZTuG1" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"></td><td> </td> <td colspan="6" style="text-align: center"><b>Three Months Ended</b></td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"></td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><b>March 31,</b></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">2024</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 style="font-weight: bold; text-align: center"></td><td> </td> <td colspan="6" style="text-align: center"><b>(In thousands)</b></td><td> </td></tr> <tr id="xdx_40B_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_zqwrYsC9vXS1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 45%; text-align: left">Weighted average number of common shares outstanding during the period used to compute basic earnings per share</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">21,143</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">20,418</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_zuJ6jtNW28Ci" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">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">3,459</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">4,974</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_pn3n3_zkv7kKp1AzY7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">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">24,602</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">25,392</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 21143000 20418000 3459000 4974000 24602000 25392000 1700000 1700000 <p id="xdx_803_eus-gaap--IncomeTaxDisclosureTextBlock_zVGq1UEgF8kh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(7) <i><span id="xdx_82D_zK29V5OyHGn6">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: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">As of March 31,2024 and December 31, 2023, 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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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_904_eus-gaap--DeferredTaxAssetsNet_iI_pn5n6_c20240331_zuwn9WqaKSEi" title="Net deferred tax asset">3.5</span> million as of March 31, 2024 is more likely than not based on forecasted future net earnings. Our net deferred tax asset of $3.5 million consists of approximately $<span id="xdx_902_eus-gaap--DeferredTaxAssetsNet_iI_pn5n6_c20240331__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_zg2JV1kuojLb" title="Net deferred tax asset">2.2</span> million of net U.S. federal deferred tax assets and $<span id="xdx_909_eus-gaap--DeferredTaxAssetsNet_iI_pn5n6_c20240331__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_zp4ir0i0PM2j" title="Net deferred tax asset">1.3</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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">Income tax expense was $<span id="xdx_902_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn6n6_c20240101__20240331_zJfgQx4Nk0Ib" title="Current income tax expense">2</span>.0 million for the three months ended March 31, 2024, representing effective income tax rates of <span id="xdx_907_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20240101__20240331_zMRtZgETxeqc" title="Effective income tax rate reconciliation, percent">30</span>%. For the prior year period, income tax expense was $<span id="xdx_904_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20230101__20230331_zl61TYgK7uO" title="Current income tax expense">4.6</span> million for the three months ended March 31, 2023 representing an effective tax rate of <span id="xdx_90C_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20230101__20230331_z1bHZacUUlN3" title="Effective income tax rate reconciliation, percent">25</span>%.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> </p> 3500000 2200000 1300000 2000000 0.30 4600000 0.25 <p id="xdx_80A_eus-gaap--LegalMattersAndContingenciesTextBlock_zPMftTVD7XA3" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"><b>(8) <i><span id="xdx_828_ztEZl7xUbpNa">Legal Proceedings</span> </i></b></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; text-align: justify; text-indent: 0.25in"><span style="font-weight: normal">Consumer Litigation. <span style="font-style: normal">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.</span></span></p> <p style="font: italic 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: 0.25in"><span style="font-style: normal; font-weight: normal">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 2024, 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.</span></p> <p style="font: italic 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: 0.25in"><span style="font-weight: normal">Wage and Hour Claim<span style="font-style: normal">. 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 for $<span id="xdx_904_eus-gaap--PaymentsForLegalSettlements_pn5n6_c20230801__20230831_zG4SSvmZcFwi" title="Settlement claims">1.1</span> million. The settlement was preliminarily approved by the court on March 1, 2024 and remains subject to final court approval.</span></span></p> <p style="font: italic 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: 0.25in"><span style="font-weight: normal">Massachusetts Civil Investigative Demand<span style="font-style: normal">. 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. On December 28, 2023 and without admitting any wrongdoing, the Company entered into an assurance of discontinuance with the Office of the Attorney General of the Commonwealth of Massachusetts, reflecting the parties’ agreements to settle and fully resolve allegations of the Company’s noncompliance with Massachusetts law. Under the settlement the Company paid, after March 31, 2024, $<span id="xdx_90E_eus-gaap--GainLossRelatedToLitigationSettlement_pn4n6_c20210901__20210930_zp5oTNSZHCe5" title="Legal payments made">1.24</span> million to an independent trust for the purposes of making payments to eligible consumers, paying costs of implementation, and paying the Attorney General’s costs of investigation. In addition, the Company agreed to pay $<span id="xdx_90D_eus-gaap--TrusteeFees_c20210901__20210930_zoVSW2SG5BC5" title="Trustee fees">75,000</span> for the fees and costs of a trustee to oversee the trust.</span></span></p> <p style="font: italic 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: 0.25in"><span style="font-weight: normal">In General. <span style="font-style: normal">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 March 31, 2024, 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 March 31, 2024 is $<span id="xdx_90F_ecustom--ProbableLegalContingencies_iI_pn5n6_c20240331_zcNpKMZYsFH7" title="Probable legal contingencies">3.6</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 March 31, 2024 does not exceed $<span id="xdx_901_ecustom--MaximumPossibleLossesForLegalProceedingsAndContingencies_iI_pn5n6_c20240331_zYPIrUUAl2Rh" title="Maximum possible losses for legal proceedings and contingencies">5.6</span> million.</span></span></p> <p style="font: italic 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: 0.25in"><span style="font-style: normal; font-weight: normal">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. </span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> 1100000 1240000 75000 3600000 5600000 <p id="xdx_804_eus-gaap--FairValueMeasurementInputsDisclosureTextBlock_zLxccFsjFvoh" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(9) <span id="xdx_826_z8P7VZKHGj9l">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: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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. <span style="color: #323232">Significant changes in any of those inputs in isolation would have a significant effect on our fair value measurement.</span></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; text-align: justify; text-indent: 0.25in">For the quarter ended March 31, 2024, 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: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">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_89C_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zRMyZvQcJqof" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Fair Value Measurements (Details - Reconciliation of finance receivables)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B7_zjqVUytxzNs3" 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></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></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">March 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">2024</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 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: 45%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20240101__20240331_zEqsP6oeIiW5" style="width: 13%; text-align: right" title="Balance at beginning of period">2,722,662</td><td style="width: 1%; text-align: left"></td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20230101__20230331_ziwcdKPuG0Yl" style="width: 13%; text-align: right" title="Balance at beginning of period">2,476,617</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_987_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20240101__20240331_zfKqIojFOknh" style="text-align: right" title="Finance receivables at fair value acquired during period">328,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20230101__20230331_zyLtCAtvDr7l" style="text-align: right" title="Finance receivables at fair value acquired during period">352,598</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_981_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20240101__20240331_zFoqagAsJpZh" style="text-align: right" title="Payments received on finance receivables at fair value">(210,935</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20230101__20230331_zMsIthPvHIg3" style="text-align: right" title="Payments received on finance receivables at fair value">(206,626</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_98A_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20240101__20240331_zF9y9Medbghj" style="text-align: right" title="Net interest income accretion on fair value receivables">(54,247</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20230101__20230331_zjF5fHIZtRId" style="text-align: right" title="Net interest income accretion on fair value receivables">(47,472</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_98D_ecustom--MarkToFairValue_pn3n3_c20240101__20240331_zfUeWfVQXMx7" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">5,000</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_981_ecustom--MarkToFairValue_pn3n3_d0_c20230101__20230331_zAnWdh9tQnR1" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">–</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_989_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20240101__20240331_zPSmOWzPlgU5" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,791,373</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--ReceivablesFairValueDisclosure_iE_pn3n3_c20230101__20230331_zVA8O9tgp2S" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,575,117</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_z0yINcRfCPJa" 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: 0.25in">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_892_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_zKi49TLW4Kgf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Finance receivables to their contractual balances)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B5_zgcdTalRQFe6" style="display: none">Schedule of finance receivables to their 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">March 31, 2024</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, 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="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="width: 32%; text-align: left">Finance receivables measured at fair value</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_ecustom--FinanceReceivablesContractualBalance_pn3n3_c20240331_zJ9nHhKEN1Xl" style="width: 13%; text-align: right" title="Finance receivables contractual balance">3,001,859</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20240331_zGcXRflPmhKa" style="width: 13%; text-align: right" title="Finance receivables measured at fair value">2,791,373</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20231231_zQoXYDGHB5i9" style="width: 13%; text-align: right" title="Finance receivables contractual balance">2,941,915</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20231231_zJGP81Ie6YK5" style="width: 13%; text-align: right" title="Finance receivables measured at fair value">2,722,662</td><td style="width: 1%; text-align: left"> </td></tr> </table> <p id="xdx_8A2_zFs51NhU0TW7" 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">The following table provides certain qualitative information about our level 3 fair value measurements:</p> <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zucejmtDaEO5" 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; background-color: White"> <td><span id="xdx_8B1_zJ7OIXBuwNwk" style="display: none">Schedule of level 3 fair value measurements</span></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"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <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"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></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="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Inputs as of</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">March 31,</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 colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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 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 colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</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; background-color: White"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td colspan="5" style="font-weight: bold; text-align: center">(In thousands)</td><td style="text-align: left"> </td><td> </td> <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: White"> <td>Assets:</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"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <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="width: 29%">Finance receivables measured at fair value</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20240331_z43uvY2vf8M1" style="width: 10%; text-align: right" title="Receivables, Fair Value Disclosure">2,791,373</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_iI_pn3n3_c20231231_zrZHefMdX97k" style="width: 10%; text-align: right" title="Receivables, Fair Value Disclosure">2,722,662</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 16%; text-align: center">Discount rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: center"><span id="xdx_906_ecustom--DiscountRateOnFinanceReceivables_c20240101__20240331_zj69q4aMycdc" title="Discount Rate on Finance Receivables">11.0% - 11.9%</span></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: center"><span id="xdx_905_ecustom--DiscountRateOnFinanceReceivables_c20230101__20231231_z53Sv5gc0hw4" title="Discount Rate on Finance Receivables">11.0% - 11.7%</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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: center">Cumulative net losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"><span id="xdx_90C_ecustom--CumulativeNetLossesOnFinanceReceivables_c20240101__20240331_z8QtNo9gbTKk" title="Cumulative Net Losses (Percent) on Finance Receivables">10.0% - 22.4%</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"><span id="xdx_90E_ecustom--CumulativeNetLossesOnFinanceReceivables_c20230101__20231231_zg0GEdz19wca" title="Cumulative Net Losses (Percent) on Finance Receivables">10.0% - 21.7%</span></td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A2_z5NjLV5g7Oaf" 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: 0.25in">The following table summarizes the delinquency status of these finance receivables measured at fair value as of March 31, 2024 and December 31, 2023:</p> <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_zHBZAcwVhLjc" 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_8B8_zUwEE6hZDET1" 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"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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="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="text-align: left">Delinquency Status</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%">Current </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z2RunvXmkjzi" style="width: 13%; text-align: right" title="Finance receivables">2,634,116</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zG3p4E4Dkt79" style="width: 13%; text-align: right">2,520,158</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z7wHsHyeCRki" style="text-align: right" title="Finance receivables">168,807</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zWNGadyD2DIg" style="text-align: right">204,574</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zPdciATvUzZ5" style="text-align: right">83,273</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zu9ZcgcJpREi" style="text-align: right">101,057</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zYjSQUseXJYc" style="text-align: right">43,348</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zToCpqaSEca9" style="text-align: right">49,541</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zE4PeN1Kybl5" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">72,315</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zbc1kx8MWcCc" style="border-bottom: Black 1pt solid; text-align: right">66,585</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_988_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331_z5lx8a1XtMmh" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">3,001,859</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231_zcjgK1HmYmSl" style="border-bottom: Black 2.5pt double; text-align: right">2,941,915</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AD_zIuqQUn0coAc" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">Repossessed vehicle inventory, which is included in Other assets on our consolidated balance sheet, is measured at fair value using level 2 assumptions based on our actual loss experience on sale of repossessed vehicles. At March 31, 2024, the finance receivables related to the repossessed vehicles in inventory totaled $<span id="xdx_907_ecustom--GrossBalanceOfRepossessionsInInventory_iI_c20240331__us-gaap--PublicUtilitiesInventoryAxis__us-gaap--VehiclesMember_z1vkgI0YuuHl" title="Gross balance of repossessions in inventory">546,000</span>. We have applied a valuation adjustment, or loss allowance, of $<span id="xdx_90B_ecustom--ValuationAllowancesAndReserveAdjustments_c20240101__20240331_z3kSdZwTnOLf" title="Allowance for losses on repossessed inventory">429,000</span>, which is based on a recovery rate of approximately <span id="xdx_906_ecustom--RecoveryRate_iI_pip0_dp_c20240331_z8EL0sqADawb" title="Recovery rate">21</span>%, resulting in an estimated fair value and carrying amount of $<span id="xdx_905_ecustom--FairValueAndCarryingAmountOfRepossessedVehicles_c20240101__20240331_zgWPWavB32a3" title="Fair value and carrying amount of repossessed vehicles">117,000</span>. The fair value and carrying amount of the repossessed inventory at December 31, 2023 was $<span id="xdx_90E_eus-gaap--ForeclosedAssets_iI_c20231231__us-gaap--LongTermPurchaseCommitmentByCategoryOfItemPurchasedAxis__us-gaap--InventoriesMember_zeikgbwNZG7i" title="Net repossessed inventory included in other assets">597,000</span> after applying a valuation adjustment of $<span id="xdx_906_ecustom--FairValuationAdjustmentOfRepossedInventory_c20230101__20231231_z7j66mAKoVJ2" title="Fair valuation adjustment of repossessed inventory">472,000</span>.</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; text-align: justify; text-indent: 0.25in">There were no transfers in or out of level 1, level 2 or level 3 assets and liabilities for the three months ended March 31, 2024 and 2023.</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; text-align: justify; text-indent: 0.25in">The estimated fair values of financial assets and liabilities at March 31, 2024 and December 31, 2023, were as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zfXepgOYlNJi" 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_8B9_zyWXArmGB1xj" style="display: none">Schedule of fair values of financial assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20240331__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zw7mj0NYGpr2" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zVILKn513u77" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z29JryQjpLwh" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z12MEpcFyqZ3" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20240331_z7D7d7fk0WW7" 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 March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="padding-bottom: 1pt; 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_zYQM294OXzYj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 30%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">13,249</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">13,249</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">13,249</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zbtVJfBUp7j" 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">137,706</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,706</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">137,706</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zTtCppOKfb3i" 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">16,891</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">15,034</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,034</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_zQTl06KALVD4" 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">191</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">191</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">191</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_401_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zYvDdWj5Ga9c" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">249,522</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">249,522</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">249,522</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--ResidualsInterestFinancing_iI_pn3n3_d0_zZM02eHzymJg" 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">98,968</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">98,968</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">98,968</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zJ7tFVx1urdk" 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">8,423</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">8,423</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,423</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SecuredDebt_iI_pn3n3_d0_zY2PZg9HTBpg" 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">2,277,676</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">2,252,211</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,252,211</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zR9ze5Bo9eh1" 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">22,140</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">22,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,140</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </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_499_20231231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zsVvvLKFImMh" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_z7KShK211ZW" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zrPSJiWgjH0k" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zcu1OGhK6qe1" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20231231_z1VK08C0HXh4" 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, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="padding-bottom: 1pt; 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_zMgXbYQUjoRg" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 30%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,174</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,174</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,174</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zffkPKlRnm12" 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">119,257</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">119,257</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">119,257</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zfBitiZWVc6d" 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">24,684</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">20,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,848</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_z18icynJEFV3" 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">292</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">292</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">292</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_401_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zXcTzr5n5pak" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">234,025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">234,025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">234,025</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zyxHgL2BuUSb" 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">7,928</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">7,928</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,928</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SecuredDebt_iI_pn3n3_d0_z8xSXgpg8rs8" 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">2,265,446</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">2,183,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,183,331</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zVBWFmZJrKaj" 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">17,188</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">17,188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,188</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A9_zj1eE5O2wjd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89C_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zRMyZvQcJqof" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 79%" summary="xdx: Disclosure - Fair Value Measurements (Details - Reconciliation of finance receivables)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B7_zjqVUytxzNs3" 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></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></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">March 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">2024</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 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: 45%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20240101__20240331_zEqsP6oeIiW5" style="width: 13%; text-align: right" title="Balance at beginning of period">2,722,662</td><td style="width: 1%; text-align: left"></td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20230101__20230331_ziwcdKPuG0Yl" style="width: 13%; text-align: right" title="Balance at beginning of period">2,476,617</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_987_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20240101__20240331_zfKqIojFOknh" style="text-align: right" title="Finance receivables at fair value acquired during period">328,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20230101__20230331_zyLtCAtvDr7l" style="text-align: right" title="Finance receivables at fair value acquired during period">352,598</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_981_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20240101__20240331_zFoqagAsJpZh" style="text-align: right" title="Payments received on finance receivables at fair value">(210,935</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20230101__20230331_zMsIthPvHIg3" style="text-align: right" title="Payments received on finance receivables at fair value">(206,626</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_98A_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20240101__20240331_zF9y9Medbghj" style="text-align: right" title="Net interest income accretion on fair value receivables">(54,247</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20230101__20230331_zjF5fHIZtRId" style="text-align: right" title="Net interest income accretion on fair value receivables">(47,472</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_98D_ecustom--MarkToFairValue_pn3n3_c20240101__20240331_zfUeWfVQXMx7" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">5,000</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_981_ecustom--MarkToFairValue_pn3n3_d0_c20230101__20230331_zAnWdh9tQnR1" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">–</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_989_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20240101__20240331_zPSmOWzPlgU5" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,791,373</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--ReceivablesFairValueDisclosure_iE_pn3n3_c20230101__20230331_zVA8O9tgp2S" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,575,117</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2722662000 2476617000 328893000 352598000 -210935000 -206626000 54247000 47472000 5000000 0 2791373000 2575117000 <table cellpadding="0" cellspacing="0" id="xdx_892_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_zKi49TLW4Kgf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Finance receivables to their contractual balances)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B5_zgcdTalRQFe6" style="display: none">Schedule of finance receivables to their 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">March 31, 2024</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, 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="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="width: 32%; text-align: left">Finance receivables measured at fair value</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_ecustom--FinanceReceivablesContractualBalance_pn3n3_c20240331_zJ9nHhKEN1Xl" style="width: 13%; text-align: right" title="Finance receivables contractual balance">3,001,859</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20240331_zGcXRflPmhKa" style="width: 13%; text-align: right" title="Finance receivables measured at fair value">2,791,373</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20231231_zQoXYDGHB5i9" style="width: 13%; text-align: right" title="Finance receivables contractual balance">2,941,915</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20231231_zJGP81Ie6YK5" style="width: 13%; text-align: right" title="Finance receivables measured at fair value">2,722,662</td><td style="width: 1%; text-align: left"> </td></tr> </table> 3001859000 2791373000 2941915000 2722662000 <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zucejmtDaEO5" 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; background-color: White"> <td><span id="xdx_8B1_zJ7OIXBuwNwk" style="display: none">Schedule of level 3 fair value measurements</span></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"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <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"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></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="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Inputs as of</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">March 31,</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 colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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 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 colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</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; background-color: White"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td colspan="5" style="font-weight: bold; text-align: center">(In thousands)</td><td style="text-align: left"> </td><td> </td> <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: White"> <td>Assets:</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"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <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="width: 29%">Finance receivables measured at fair value</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20240331_z43uvY2vf8M1" style="width: 10%; text-align: right" title="Receivables, Fair Value Disclosure">2,791,373</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_iI_pn3n3_c20231231_zrZHefMdX97k" style="width: 10%; text-align: right" title="Receivables, Fair Value Disclosure">2,722,662</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 16%; text-align: center">Discount rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: center"><span id="xdx_906_ecustom--DiscountRateOnFinanceReceivables_c20240101__20240331_zj69q4aMycdc" title="Discount Rate on Finance Receivables">11.0% - 11.9%</span></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: center"><span id="xdx_905_ecustom--DiscountRateOnFinanceReceivables_c20230101__20231231_z53Sv5gc0hw4" title="Discount Rate on Finance Receivables">11.0% - 11.7%</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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: center">Cumulative net losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"><span id="xdx_90C_ecustom--CumulativeNetLossesOnFinanceReceivables_c20240101__20240331_z8QtNo9gbTKk" title="Cumulative Net Losses (Percent) on Finance Receivables">10.0% - 22.4%</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"><span id="xdx_90E_ecustom--CumulativeNetLossesOnFinanceReceivables_c20230101__20231231_zg0GEdz19wca" title="Cumulative Net Losses (Percent) on Finance Receivables">10.0% - 21.7%</span></td><td style="text-align: left"> </td></tr> </table> 2791373000 2722662000 11.0% - 11.9% 11.0% - 11.7% 10.0% - 22.4% 10.0% - 21.7% <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_zHBZAcwVhLjc" 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_8B8_zUwEE6hZDET1" 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"> </td> <td colspan="2" style="font-weight: bold; text-align: center">March 31,</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">2024</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="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="text-align: left">Delinquency Status</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%">Current </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z2RunvXmkjzi" style="width: 13%; text-align: right" title="Finance receivables">2,634,116</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zG3p4E4Dkt79" style="width: 13%; text-align: right">2,520,158</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z7wHsHyeCRki" style="text-align: right" title="Finance receivables">168,807</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zWNGadyD2DIg" style="text-align: right">204,574</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zPdciATvUzZ5" style="text-align: right">83,273</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zu9ZcgcJpREi" style="text-align: right">101,057</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zYjSQUseXJYc" style="text-align: right">43,348</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zToCpqaSEca9" style="text-align: right">49,541</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zE4PeN1Kybl5" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">72,315</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zbc1kx8MWcCc" style="border-bottom: Black 1pt solid; text-align: right">66,585</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_988_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20240331_z5lx8a1XtMmh" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">3,001,859</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20231231_zcjgK1HmYmSl" style="border-bottom: Black 2.5pt double; text-align: right">2,941,915</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2634116000 2520158000 168807000 204574000 83273000 101057000 43348000 49541000 72315000 66585000 3001859000 2941915000 546000 429000 0.21 117000 597000 472000 <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zfXepgOYlNJi" 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_8B9_zyWXArmGB1xj" style="display: none">Schedule of fair values of financial assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20240331__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zw7mj0NYGpr2" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zVILKn513u77" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z29JryQjpLwh" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z12MEpcFyqZ3" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20240331_z7D7d7fk0WW7" 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 March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="padding-bottom: 1pt; 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_zYQM294OXzYj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 30%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">13,249</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">13,249</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">13,249</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zbtVJfBUp7j" 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">137,706</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,706</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">137,706</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zTtCppOKfb3i" 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">16,891</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">15,034</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,034</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_zQTl06KALVD4" 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">191</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">191</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">191</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_401_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zYvDdWj5Ga9c" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">249,522</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">249,522</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">249,522</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--ResidualsInterestFinancing_iI_pn3n3_d0_zZM02eHzymJg" 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">98,968</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">98,968</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">98,968</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zJ7tFVx1urdk" 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">8,423</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">8,423</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,423</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SecuredDebt_iI_pn3n3_d0_zY2PZg9HTBpg" 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">2,277,676</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">2,252,211</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,252,211</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zR9ze5Bo9eh1" 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">22,140</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">22,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,140</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </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_499_20231231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zsVvvLKFImMh" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_z7KShK211ZW" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zrPSJiWgjH0k" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zcu1OGhK6qe1" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20231231_z1VK08C0HXh4" 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, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="padding-bottom: 1pt; 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_zMgXbYQUjoRg" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 30%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,174</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,174</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,174</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zffkPKlRnm12" 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">119,257</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">119,257</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">119,257</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zfBitiZWVc6d" 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">24,684</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">20,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,848</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_z18icynJEFV3" 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">292</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">292</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">292</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_401_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zXcTzr5n5pak" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">234,025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">234,025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">234,025</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zyxHgL2BuUSb" 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">7,928</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">7,928</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,928</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SecuredDebt_iI_pn3n3_d0_z8xSXgpg8rs8" 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">2,265,446</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">2,183,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,183,331</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zVBWFmZJrKaj" 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">17,188</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">17,188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,188</td><td style="text-align: left"> </td></tr> </table> 13249000 13249000 0 0 13249000 137706000 137706000 0 0 137706000 16891000 0 0 15034000 15034000 191000 0 0 191000 191000 249522000 0 0 249522000 249522000 98968000 98968000 98968000 8423000 0 0 8423000 8423000 2277676000 0 0 2252211000 2252211000 22140000 0 0 22140000 22140000 6174000 6174000 0 0 6174000 119257000 119257000 0 0 119257000 24684000 0 0 20848000 20848000 292000 0 0 292000 292000 234025000 0 0 234025000 234025000 7928000 0 0 7928000 7928000 2265446000 0 0 2183331000 2183331000 17188000 0 0 17188000 17188000 <p id="xdx_802_eus-gaap--SubsequentEventsTextBlock_zTlHMJHdIfg3" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(10) <span id="xdx_82D_zedv1TZluwM5">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: 0.25in">On April 23, 2024 we executed our second securitization of 2024. In the transaction, qualified institutional buyers purchased $319.9 million of asset-backed notes secured by $337.2 million in automobile receivables originated by CPS. The sold notes, issued by CPS Auto Receivables Trust 2024-B, 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 6.69%.</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: 0.25in">The 2024-B transaction has initial credit enhancement consisting of a cash deposit equal to 1.00% of the original receivable pool balance and overcollateralization of 5.15%. The transaction agreements require accelerated payment of principal on the notes to reach overcollateralization of the lesser of 8.40% of the original receivable pool balance, or 23.15% 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> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">On April 10, 2024, our Compensation Committee evaluated and determined the non-equity incentive plan payment amounts earned under the Executive Management Bonus Plan for each of our executive officers for fiscal year ended December 2023. The Company thereafter paid those amounts in April 2024, including $3,005,000 for Charles E. Bradley, Jr., $582,063 for Michael T. Lavin, $385,655 for Danny Bharwani, $413,406 for Teri L. Robinson, and $367,472 for Laurie A. Straten.</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: 0.25in"><b>Cautionary Note Regarding Forward-Looking Statements </b></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; text-align: justify; text-indent: 0.25in">Discussions of certain matters contained in this report may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”) and Section 21E of the Exchange Act, and as such, may involve risks and uncertainties. You can generally identify forward-looking statements as statements containing the words “will,” “would,” “believe,” “may,” “could,” “expect,” “anticipate,” “intend,” “estimate,” “assume,” “plans,” “goals, “strategy,” “future,” “likely,” “should” or other similar expressions.</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; text-align: justify; text-indent: 0.25in">Examples of forward-looking statements include, among others, statements we make regarding:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> </p> <table border="0" 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: 5%"> </td> <td style="text-align: justify; width: 3%"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify; width: 92%">charge-offs and recovery rates;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the willingness or ability of obligors to pay pursuant to contractual terms;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">our ability to enforce rights under contracts;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">our ability to and rates at which we plan to acquire automobile contracts;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the anticipated levels of recoveries upon sale of repossessed vehicles;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">revenues or expenses;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">provisions for credit losses;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">expected industry and general economic trends;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">accrued losses for legal contingencies;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">anticipated deferred tax assets;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">estimates of taxable income;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">our ability to service and repay our debt;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the structuring of securitization transactions as secured financings and the effects of such structures on financial items and future profitability; or</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the effect of the change in structure on our profitability and the duration of the period in which our profitability would be affected by the change in securitization structure.</td></tr> </table> <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; text-align: justify; text-indent: 0.25in">Our actual results, performance and achievements may differ materially from the results, performance and achievements expressed or implied in such forward-looking statements. Some of the factors that might cause such a difference include, but are not limited to, the following:</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; text-align: justify; text-indent: 0.25in"></p> <table border="0" 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: 5%"> </td> <td style="text-align: justify; width: 3%"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify; width: 92%">unexpected exogenous events, such as a widespread public health emergency;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">mandates imposed in reaction to such events, such as prohibitions of otherwise permissible activity;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">changes in general economic conditions;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">changes in performance of our automobile contracts </td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">increases in interest rates;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">our ability to generate sufficient operating and financing cash flows;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">competition;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the level of losses incurred on contracts in our managed portfolio;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">adverse decisions by courts or regulators;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">regulatory changes with respect to consumer finance;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">changes in the market for used vehicles;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">levels of cash releases from existing pools of contracts;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the terms on which we are able to finance contract purchases;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the willingness or ability of dealers to assign contracts to us on acceptable terms;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the terms on which we are able to complete term securitizations once contracts are acquired;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">any breach in the security of our systems; and</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">such other factors as discussed through the “Risk Factors” section of this report.</td></tr> </table> <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; text-align: justify; text-indent: 0.25in">Forward-looking statements are neither historical facts nor guarantees of performance. Instead, they are based only on our current beliefs, expectations and assumptions regarding the future of our business, plans and strategies, projections, anticipated events and trends, the economy and other uncertain conditions. Because forward-looking statements relate to the future, they involve risks, uncertainties and assumptions. Actual results may differ from expectations due to many factors beyond our ability to control or predict, including those described herein, and in any documents incorporated by reference in this report. Therefore, you should not rely on any of these forward-looking statements. For these statements, we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.</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; text-align: justify; text-indent: 0.25in">We undertake no obligation to publicly update any forward-looking information. You are advised to consult any additional disclosure we make in our periodic reports filed with the SEC.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> false false false false 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 $644.3 million in 2024, $691.9 million in 2025, $435.8 million in 2026, $284.8 million in 2027, $169.4 million in 2028, and $51.5 million in 2029. Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.