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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_84C_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_zLOaf9qE12t" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86F_zr1eqnRbf7Eh">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">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 three-month period ended March 31, 2025, 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">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, 2024.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_849_eus-gaap--UseOfEstimates_z2FgDDmSuRUi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_861_zSMRq5bWZGuc">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: 0in">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_848_ecustom--FinanceReceivablesMeasuredAtFairValuePolicyTextBlock_zEXl15nVoN4l" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_865_zoL9uXHgRx86">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">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">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">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_847_eus-gaap--OtherIncomeAndOtherExpenseDisclosureTextBlock_zpX17ppe3Gzi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_86B_zNbVWwHYtJ8">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">The following table presents the primary components of Other Income for the three-month periods ending March 31, 2025, and 2024:</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_884_eus-gaap--ScheduleOfOtherNonoperatingIncomeByComponentTextBlock_pn3n3_zIC01mjkprnl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B4_zb7nih5E8YM8" style="display: none">Schedule of other income</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%; text-align: left">Origination and servicing fees from third party receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--OtherOperatingIncome_pn3n3_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zUBwom4CVwGd" style="width: 13%; text-align: right" title="Other Operating Income">1,431</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zLQm4sv8rEMk" style="width: 13%; text-align: right" title="Other Operating Income">2,144</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_988_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zrF9p9QsVdY5" style="text-align: right" title="Other income for the period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zF2GNGxseiIc" style="text-align: right" title="Other income for the period">289</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_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zVaHbl0hU4Na" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">10</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--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zUVBdZi3h99i" 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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20250101__20250331_zrnQe6jcnff8" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">1,441</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331_z2yxjU4VDLc8" 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></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"></p> <p id="xdx_842_eus-gaap--LesseeLeasesPolicyTextBlock_zzFnd3YlLDuj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_864_zbWJCVZb8LJe">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">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: 0in">The following table presents the supplemental balance sheet information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_88C_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_pn3n3_zjlNVoefUhi1" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B5_zJdz1bn02tDj" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_490_20250331_zumYFS7EoiCf" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_497_20241231_zIe0iHS6iET2" 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"> </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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--LeasesOperatingAbstract_iB_zj3eWYcBK539" 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_40B_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zrckMyhuIRf" style="vertical-align: bottom; background-color: White"> <td style="width: 66%; 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">51,093</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_di_zCAMWUF8Ps03" 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">(32,850</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">(31,644</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_400_ecustom--OperatingLeaseRightOfUseAsset1_i01I_zuiRW4a8fmRb" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">18,243</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,449</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 style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; 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_402_ecustom--OperatingLeaseLiability1_iNI_di_zoBEBnKVtpHc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(20,250</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(21,471</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeasesAbstract_iB_zPfZGKIPLnR6" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_zWAraOZHc7kd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,039</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,794</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_di_zQI1hnuqOeo6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,538</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,488</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_406_ecustom--FinanceLeaseRightOfUseAsset1_i01I_zj2MvNAbMm1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">501</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--FinanceLeaseLiability1_iNI_di_zTwgXevwBmD1" 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">$</td><td style="text-align: right">(514</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(315</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; 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_405_ecustom--WeightedAverageDiscountRateAbstract_iB_zpCgMZzDmT34" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zKG1ZF1jPxnl" 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_40D_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zwd8RxXOAgT1" 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> <p style="margin: 0">Maturities of lease liabilities were as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_881_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_z2ya3IYpohkc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zPUPgBIUU2Ad" style="display: none">Schedule of maturities of lease liabilities</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">(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> </td><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>Year Ending December 31,</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">2025 (excluding the three months ended March 31, 2025)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zMNrNMMyHCU5" style="width: 13%; text-align: right" title="2025 (excluding the three months ended March 31, 2025)">3,907</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--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z9SzVwhpntDc" style="width: 13%; text-align: right" title="2025 (excluding the three months ended March 31, 2025)">161</td><td style="width: 1%; 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_98E_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zTBDLKVj7m8e" 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_98D_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zaNgpUIPFMw6" style="text-align: right" title="2026">207</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_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_za2FRjNRczCk" 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_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zDgYWnyP2rCk" style="text-align: right" title="2027">149</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--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zrNof1OR2ftb" 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_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zOjK0olr3P5h" style="text-align: right" title="2028">30</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_ztxqg5sSJaWk" style="text-align: right" title="2029">3,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zPMxJtDQgjt3" style="text-align: right" title="2029">10</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_98C_ecustom--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zQcXWzzIysf1" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">985</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_ecustom--FinanceLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_d0_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zd47RYj1ZMm2" 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: White"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z5XTQLBzZJwl" style="text-align: right" title="Total undiscounted lease payments">24,387</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zAlRL6fhRBwf" style="text-align: right" title="Total undiscounted lease payments">557</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">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_98A_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zvvBlWvbsJea" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(4,137</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--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zy9QZqCkF6k4" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(43</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">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_987_eus-gaap--OperatingLeaseLiability_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zVWwCevyF9vc" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">20,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zEJ45p6Wshcg" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">514</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: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">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_88D_eus-gaap--LeaseCostTableTextBlock_pn3n3_z0FzL4cxgv76" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_z0vwAiDJyzl1" style="display: none">Schedule of lease cost</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_497_20250101__20250331_zWUQwXjI3C6g" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20240101__20240331_zPYMskyH56I" 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"> </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">2025</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 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_401_eus-gaap--OperatingLeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; 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">1,311</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceLeaseCost_zvxyDPudmpn3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">55</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,366</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">1,388</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: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the supplemental cash flow information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zt0Xa2bGZBq4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease - Cash flow)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B2_zLNZuNIBVSTd" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_490_20250101__20250331_zE0sDjlOJejg" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_495_20240101__20240331_zZvUsJLPVtA3" 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"> </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">2025</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 id="xdx_408_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_zOY58jaGeS7" 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: 66%; 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">1,311</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">1,374</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">47</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">13</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--FinancingCashFlowsFromFinanceLeases_i01_pn3n3_zsVEhhdDXdUf" 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">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1</td><td style="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"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p id="xdx_84D_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zMAscDZOpsf7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86B_z6fiaqEuA8Ff">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">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">For the three months ended March 31, 2025, and 2024, we recorded stock-based compensation costs in the amount of $<span id="xdx_90D_eus-gaap--ShareBasedCompensation_pp0p0_c20250101__20250331_z2fINSzNi3z7" title="Stock-based compensation costs">717,000</span> and $<span id="xdx_90E_eus-gaap--ShareBasedCompensation_pp0p0_c20240101__20240331_zfxutwouP6h2" title="Stock-based compensation costs">832,000</span>, respectively. As of March 31, 2025, unrecognized stock-based compensation costs to be recognized over future periods equaled $<span id="xdx_902_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn5n6_c20250331_zHgQG0yPXXL2" title="Unrecognized stock-based compensation costs">2.3</span> million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_90E_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20250101__20250331_z6ey4GZ4sYYb" title="Weighted average period">0.8</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">The following represents stock option activity for the three months ended March 31, 2025:</p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_zSB34XImrbae" 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><span id="xdx_8B5_zZbsgggqxfGa" style="display: none">Schedule of stock option activity</span></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"> </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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20250101__20250331_zJlWmFe9Edhg" style="width: 13%; text-align: right" title="Number of shares options outstanding at the beginning of period">6,097</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20250101__20250331_zTfmJ8geTvBe" style="width: 13%; text-align: right" title="Weighted average exercise price options outstanding at the beginning of period">5.39</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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20250101__20250331_z0UtIYsdIyx" 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_98D_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20250101__20250331_zDagJ7Vtqbu5" 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_98D_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20250101__20250331_zGXhmS3VtjP4" style="text-align: right" title="Number of shares exercised">(70</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20250101__20250331_zV3FUOu20H3" style="text-align: right" title="Weighted average exercise price exercised">3.49</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_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di0_c20250101__20250331_zGr4ilOtOTv7" 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_982_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20250101__20250331_zw0D4d6SC12h" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20250101__20250331_zoEO5A4veRk8" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options outstanding at the end of period">6,027</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">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20250101__20250331_z4dajeKXTvHd" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options outstanding at the end of period">5.41</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_909_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20250101__20250331_zgu2bf0FonVb" title="Weighted average remaining contractual term Options outstanding at the end of period">2.46</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331_zJzBP57ZHD19" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options exercisable at the end of period">5,204</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20250331_zE7Yu86fceX3" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options exercisable at the end of period">4.94</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_901_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20250101__20250331_zQsEYmzzl0ee" title="Weighted average remaining contractual term Options exercisable at the end of period">2.24</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"></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">The following table presents the price distribution of stock options outstanding and exercisable for the years ended March 31, 2025 and December 31, 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_88A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zJV0O9gqbbm" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BC_zW4Y049l5VAc" style="display: none">Schedule of price distribution of stock options outstanding and exercisable</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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, 2025</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, 2024</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: 40%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zWfQTnEPcOt2" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,197</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zYV2AOIJkhC3" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,197</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_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zlm6R7Zdo7Na" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,197</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z2hPLYXigT1l" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,197</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_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z2DJ0tKcaF4d" style="text-align: right" title="Number of shares, outstanding">1,955</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zQ6bjJSg7cBl" style="text-align: right" title="Number of shares, exercisable">1,955</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zfDEw1clKdjl" style="text-align: right" title="Number of shares, outstanding">2,026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zzqEoviuMxe2" style="text-align: right" title="Number of shares, exercisable">2,026</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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zRcJHnirkBmi" style="text-align: right" title="Number of shares, outstanding">1,262</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_z05tn5kH93Pb" style="text-align: right" title="Number of shares, exercisable">972</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zYscif22hdM2" style="text-align: right" title="Number of shares, outstanding">1,262</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zLOvHcMLPJY6" style="text-align: right" title="Number of shares, exercisable">972</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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_z9FnyiD66zS1" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,613</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zZ7d2QIb25Lc" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,080</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zuqNOsEXiAik" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,612</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zwzbWzEpGdy8" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">892</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_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331_zXr0RpPKIA14" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,027</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331_zWChRGXfFkke" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">5,204</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231_zjtHP6pkqanl" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,097</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_c20241231_zoOtBMtugel6" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">5,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">At March 31, 2025, the aggregate intrinsic value of options outstanding and exercisable was $<span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_pn5n6_c20250331_zuoMZcXI70Q3" title="Intrinsic value options outstanding">22.2</span> million and $<span id="xdx_90B_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_pn5n6_c20250331_zOSk6oyhugU8" title="Intrinsic value of options exercisable">21.1</span> million, respectively. There were <span id="xdx_903_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_c20250101__20250331__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_z3GSt3dF87k3" title="Options exercised">70,000</span> options exercised for the three months ended March 31, 2025, compared to <span id="xdx_907_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_c20240101__20240331__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_zEN3UZ6xeIi3" title="Options exercised">180,000</span> for the comparable period in 2024. The total intrinsic value of options exercised was $<span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_c20250101__20250331_zIwWNA1sHWY5" title="Intrinsic value of options exercised">390,000</span> and $<span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_c20240101__20240331_zwDCgDQ0FAkj" title="Intrinsic value of options exercised">716,000</span> for the three-month periods ended March 31, 2025, and 2024. There were <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pip0_c20250331_zOn4kJbrFRF1" title="Shares available for grant">2,984,000</span> shares available for future stock option grants under existing plans as of March 31, 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p id="xdx_845_eus-gaap--StockholdersEquityPolicyTextBlock_zYUrBu9xncMb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_864_z9gDys7jcNA7">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">The table below describes the purchase of our common stock for the three months ended March 31, 2025, and 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zwvPJoWpQKJ2" 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><span id="xdx_8BB_zyEGBWnffKd4" style="display: none">Schedule of purchase of our common stock</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Three Months Ended</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="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2025</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, 2024</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: 40%; 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_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zAMQsMQkaw6k" style="width: 11%; text-align: right" title="Total stock purchases, shares">–</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_985_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z3V74A5TWmyj" style="width: 11%; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zPJjcn3DRMFd" style="width: 11%; 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_zrTNX3x7tUif" style="width: 11%; text-align: right" title="Total stock purchases, average price">8.51</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Shares redeemed upon net exercise of stock options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zjA9d7YDMZjf" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">–</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--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsEOTnL4ssX4" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsdXfgCwQU63" 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_98D_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdI81MAbtigb" 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></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_98B_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20250101__20250331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zGsgLR7wzebj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">–</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zGHLIc3ckZb" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z37T7LCaxl5c" 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_981_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zLYRao7ibnpa" 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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p id="xdx_841_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zsmLrEf0yJEj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86A_zPu9pA6TCD59">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">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 style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p id="xdx_844_ecustom--FinancialCovenantsPolicyTextBlock_zIAeY3uARvO2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_867_zADcG6Yrax59">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">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, 2025, we were in compliance with all such covenants. In addition, certain of our debt agreements other than our term securitizations contain cross-default provisions. Such cross-default provisions would allow the respective creditors to declare a default if an event of default occurred with respect to other indebtedness of ours, but only if such other event of default were to be accompanied by acceleration of such other indebtedness.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p id="xdx_841_eus-gaap--CommitmentsAndContingenciesPolicyTextBlock_zaDWvFAyaH61" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_866_z12KfbmlbNU">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">We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Our legal counsel has advised us on such matters where, based on information available at the time of this report, there is an indication that it is both probable that a liability has been incurred and the amount of the loss can be reasonably determined.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_846_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_zBimEoeTraOf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_867_ztQX5p8O6Aq3">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">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_846_ecustom--DescriptionOfBusinessPolicyTextBlock_zWOGtOsuYYBd" style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b><span id="xdx_868_zBGIxOhAgNla">Description of Business</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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_84C_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_zLOaf9qE12t" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86F_zr1eqnRbf7Eh">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">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 three-month period ended March 31, 2025, 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">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, 2024.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_849_eus-gaap--UseOfEstimates_z2FgDDmSuRUi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_861_zSMRq5bWZGuc">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: 0in">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_848_ecustom--FinanceReceivablesMeasuredAtFairValuePolicyTextBlock_zEXl15nVoN4l" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_865_zoL9uXHgRx86">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">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">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">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_847_eus-gaap--OtherIncomeAndOtherExpenseDisclosureTextBlock_zpX17ppe3Gzi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_86B_zNbVWwHYtJ8">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">The following table presents the primary components of Other Income for the three-month periods ending March 31, 2025, and 2024:</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_884_eus-gaap--ScheduleOfOtherNonoperatingIncomeByComponentTextBlock_pn3n3_zIC01mjkprnl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B4_zb7nih5E8YM8" style="display: none">Schedule of other income</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%; text-align: left">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_981_eus-gaap--OtherOperatingIncome_pn3n3_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zUBwom4CVwGd" style="width: 13%; text-align: right" title="Other Operating Income">1,431</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--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zLQm4sv8rEMk" style="width: 13%; text-align: right" title="Other Operating Income">2,144</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_988_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zrF9p9QsVdY5" style="text-align: right" title="Other income for the period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zF2GNGxseiIc" style="text-align: right" title="Other income for the period">289</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_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zVaHbl0hU4Na" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">10</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--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zUVBdZi3h99i" 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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20250101__20250331_zrnQe6jcnff8" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">1,441</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--OtherOperatingIncome_pn3n3_c20240101__20240331_z2yxjU4VDLc8" 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></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"></p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfOtherNonoperatingIncomeByComponentTextBlock_pn3n3_zIC01mjkprnl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B4_zb7nih5E8YM8" style="display: none">Schedule of other income</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%; text-align: left">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_981_eus-gaap--OtherOperatingIncome_pn3n3_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zUBwom4CVwGd" style="width: 13%; text-align: right" title="Other Operating Income">1,431</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--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zLQm4sv8rEMk" style="width: 13%; text-align: right" title="Other Operating Income">2,144</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_988_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zrF9p9QsVdY5" style="text-align: right" title="Other income for the period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_zF2GNGxseiIc" style="text-align: right" title="Other income for the period">289</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_c20250101__20250331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zVaHbl0hU4Na" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">10</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--OtherOperatingIncome_pn3n3_c20240101__20240331__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_zUVBdZi3h99i" 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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_c20250101__20250331_zrnQe6jcnff8" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">1,441</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--OtherOperatingIncome_pn3n3_c20240101__20240331_z2yxjU4VDLc8" 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></tr> </table> 1431000 2144000 0 289000 10000 23000 1441000 2456000 <p id="xdx_842_eus-gaap--LesseeLeasesPolicyTextBlock_zzFnd3YlLDuj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_864_zbWJCVZb8LJe">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">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: 0in">The following table presents the supplemental balance sheet information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_88C_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_pn3n3_zjlNVoefUhi1" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B5_zJdz1bn02tDj" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_490_20250331_zumYFS7EoiCf" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_497_20241231_zIe0iHS6iET2" 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"> </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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--LeasesOperatingAbstract_iB_zj3eWYcBK539" 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_40B_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zrckMyhuIRf" style="vertical-align: bottom; background-color: White"> <td style="width: 66%; 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">$</td><td style="width: 13%; text-align: right">51,093</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_di_zCAMWUF8Ps03" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(32,850</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(31,644</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_400_ecustom--OperatingLeaseRightOfUseAsset1_i01I_zuiRW4a8fmRb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">18,243</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,449</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--OperatingLeaseLiability1_iNI_di_zoBEBnKVtpHc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(20,250</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(21,471</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeasesAbstract_iB_zPfZGKIPLnR6" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; 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--FinanceLeaseRightOfUseAssetAtCost_i01I_zWAraOZHc7kd" 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">$</td><td style="text-align: right">4,039</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,794</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_di_zQI1hnuqOeo6" 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">(3,538</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">(3,488</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_406_ecustom--FinanceLeaseRightOfUseAsset1_i01I_zj2MvNAbMm1" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">501</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--FinanceLeaseLiability1_iNI_di_zTwgXevwBmD1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(514</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(315</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; 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_405_ecustom--WeightedAverageDiscountRateAbstract_iB_zpCgMZzDmT34" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zKG1ZF1jPxnl" 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_40D_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zwd8RxXOAgT1" 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> <p style="margin: 0">Maturities of lease liabilities were as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_881_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_z2ya3IYpohkc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zPUPgBIUU2Ad" style="display: none">Schedule of maturities of lease liabilities</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">(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> </td><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>Year Ending December 31,</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">2025 (excluding the three months ended March 31, 2025)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zMNrNMMyHCU5" style="width: 13%; text-align: right" title="2025 (excluding the three months ended March 31, 2025)">3,907</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z9SzVwhpntDc" style="width: 13%; text-align: right" title="2025 (excluding the three months ended March 31, 2025)">161</td><td style="width: 1%; 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_98E_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zTBDLKVj7m8e" 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_98D_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zaNgpUIPFMw6" style="text-align: right" title="2026">207</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_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_za2FRjNRczCk" 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_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zDgYWnyP2rCk" style="text-align: right" title="2027">149</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--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zrNof1OR2ftb" 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_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zOjK0olr3P5h" style="text-align: right" title="2028">30</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_ztxqg5sSJaWk" style="text-align: right" title="2029">3,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zPMxJtDQgjt3" style="text-align: right" title="2029">10</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_98C_ecustom--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zQcXWzzIysf1" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">985</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_ecustom--FinanceLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_d0_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zd47RYj1ZMm2" 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: White"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z5XTQLBzZJwl" style="text-align: right" title="Total undiscounted lease payments">24,387</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zAlRL6fhRBwf" style="text-align: right" title="Total undiscounted lease payments">557</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">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_98A_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zvvBlWvbsJea" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(4,137</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--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zy9QZqCkF6k4" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(43</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">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--OperatingLeaseLiability_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zVWwCevyF9vc" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">20,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zEJ45p6Wshcg" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">514</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: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">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_88D_eus-gaap--LeaseCostTableTextBlock_pn3n3_z0FzL4cxgv76" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_z0vwAiDJyzl1" style="display: none">Schedule of lease cost</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_497_20250101__20250331_zWUQwXjI3C6g" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20240101__20240331_zPYMskyH56I" 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"> </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">2025</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 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_401_eus-gaap--OperatingLeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,311</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceLeaseCost_zvxyDPudmpn3" 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">55</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">14</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,366</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,388</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: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the supplemental cash flow information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zt0Xa2bGZBq4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease - Cash flow)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B2_zLNZuNIBVSTd" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_490_20250101__20250331_zE0sDjlOJejg" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_495_20240101__20240331_zZvUsJLPVtA3" 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"> </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">2025</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 id="xdx_408_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_zOY58jaGeS7" 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: 66%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,311</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</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">47</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">13</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--FinancingCashFlowsFromFinanceLeases_i01_pn3n3_zsVEhhdDXdUf" 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">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1</td><td style="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"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <table cellpadding="0" cellspacing="0" id="xdx_88C_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_pn3n3_zjlNVoefUhi1" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B5_zJdz1bn02tDj" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_490_20250331_zumYFS7EoiCf" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_497_20241231_zIe0iHS6iET2" 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"> </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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--LeasesOperatingAbstract_iB_zj3eWYcBK539" 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_40B_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zrckMyhuIRf" style="vertical-align: bottom; background-color: White"> <td style="width: 66%; 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">51,093</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_di_zCAMWUF8Ps03" 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">(32,850</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">(31,644</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_400_ecustom--OperatingLeaseRightOfUseAsset1_i01I_zuiRW4a8fmRb" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">18,243</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,449</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 style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; 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_402_ecustom--OperatingLeaseLiability1_iNI_di_zoBEBnKVtpHc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(20,250</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(21,471</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeasesAbstract_iB_zPfZGKIPLnR6" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_zWAraOZHc7kd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,039</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,794</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_di_zQI1hnuqOeo6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,538</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,488</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_406_ecustom--FinanceLeaseRightOfUseAsset1_i01I_zj2MvNAbMm1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">501</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--FinanceLeaseLiability1_iNI_di_zTwgXevwBmD1" 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">$</td><td style="text-align: right">(514</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(315</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="color: white; text-align: right">$</td><td style="color: white; 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_405_ecustom--WeightedAverageDiscountRateAbstract_iB_zpCgMZzDmT34" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td style="color: white"> </td> <td style="color: white; text-align: left"> </td><td style="text-align: right"> </td><td style="color: white; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zKG1ZF1jPxnl" 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_40D_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zwd8RxXOAgT1" 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 51093000 32850000 31644000 18243000 19449000 20250000 21471000 4039000 3794000 3538000 3488000 501000 306000 514000 315000 0.050 0.050 0.065 0.065 <table cellpadding="0" cellspacing="0" id="xdx_881_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_z2ya3IYpohkc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zPUPgBIUU2Ad" style="display: none">Schedule of maturities of lease liabilities</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">(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> </td><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>Year Ending December 31,</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">2025 (excluding the three months ended March 31, 2025)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zMNrNMMyHCU5" style="width: 13%; text-align: right" title="2025 (excluding the three months ended March 31, 2025)">3,907</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--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z9SzVwhpntDc" style="width: 13%; text-align: right" title="2025 (excluding the three months ended March 31, 2025)">161</td><td style="width: 1%; 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_98E_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zTBDLKVj7m8e" 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_98D_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zaNgpUIPFMw6" style="text-align: right" title="2026">207</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_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_za2FRjNRczCk" 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_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zDgYWnyP2rCk" style="text-align: right" title="2027">149</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--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zrNof1OR2ftb" 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_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zOjK0olr3P5h" style="text-align: right" title="2028">30</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_ztxqg5sSJaWk" style="text-align: right" title="2029">3,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zPMxJtDQgjt3" style="text-align: right" title="2029">10</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_98C_ecustom--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zQcXWzzIysf1" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">985</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_ecustom--FinanceLeaseLiabilityPaymentsDueAfterYearFour_iI_pn3n3_d0_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zd47RYj1ZMm2" 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: White"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z5XTQLBzZJwl" style="text-align: right" title="Total undiscounted lease payments">24,387</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zAlRL6fhRBwf" style="text-align: right" title="Total undiscounted lease payments">557</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">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_98A_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zvvBlWvbsJea" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(4,137</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--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zy9QZqCkF6k4" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(43</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">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_987_eus-gaap--OperatingLeaseLiability_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_zVWwCevyF9vc" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">20,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20250331__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zEJ45p6Wshcg" style="border-bottom: Black 2.5pt double; text-align: right" title="Lease Liability">514</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 3907000 161000 5084000 207000 5242000 149000 5408000 30000 3761000 10000 985000 0 24387000 557000 4137000 43000 20250000 514000 <table cellpadding="0" cellspacing="0" id="xdx_88D_eus-gaap--LeaseCostTableTextBlock_pn3n3_z0FzL4cxgv76" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_z0vwAiDJyzl1" style="display: none">Schedule of lease cost</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_497_20250101__20250331_zWUQwXjI3C6g" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20240101__20240331_zPYMskyH56I" 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"> </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">2025</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 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_401_eus-gaap--OperatingLeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; 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">1,311</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,374</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceLeaseCost_zvxyDPudmpn3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">55</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,366</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">1,388</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1311000 1374000 55000 14000 1366000 1388000 <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zt0Xa2bGZBq4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease - Cash flow)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B2_zLNZuNIBVSTd" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_490_20250101__20250331_zE0sDjlOJejg" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_495_20240101__20240331_zZvUsJLPVtA3" 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"> </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">2025</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 id="xdx_408_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_zOY58jaGeS7" 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: 66%; 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">1,311</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">1,374</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">47</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">13</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--FinancingCashFlowsFromFinanceLeases_i01_pn3n3_zsVEhhdDXdUf" 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">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1</td><td style="text-align: left"> </td></tr> </table> 1311000 1374000 47000 13000 8000 1000 <p id="xdx_84D_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zMAscDZOpsf7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86B_z6fiaqEuA8Ff">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">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">For the three months ended March 31, 2025, and 2024, we recorded stock-based compensation costs in the amount of $<span id="xdx_90D_eus-gaap--ShareBasedCompensation_pp0p0_c20250101__20250331_z2fINSzNi3z7" title="Stock-based compensation costs">717,000</span> and $<span id="xdx_90E_eus-gaap--ShareBasedCompensation_pp0p0_c20240101__20240331_zfxutwouP6h2" title="Stock-based compensation costs">832,000</span>, respectively. As of March 31, 2025, unrecognized stock-based compensation costs to be recognized over future periods equaled $<span id="xdx_902_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn5n6_c20250331_zHgQG0yPXXL2" title="Unrecognized stock-based compensation costs">2.3</span> million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_90E_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20250101__20250331_z6ey4GZ4sYYb" title="Weighted average period">0.8</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">The following represents stock option activity for the three months ended March 31, 2025:</p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_zSB34XImrbae" 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><span id="xdx_8B5_zZbsgggqxfGa" style="display: none">Schedule of stock option activity</span></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"> </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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20250101__20250331_zJlWmFe9Edhg" style="width: 13%; text-align: right" title="Number of shares options outstanding at the beginning of period">6,097</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20250101__20250331_zTfmJ8geTvBe" style="width: 13%; text-align: right" title="Weighted average exercise price options outstanding at the beginning of period">5.39</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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20250101__20250331_z0UtIYsdIyx" 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_98D_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20250101__20250331_zDagJ7Vtqbu5" 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_98D_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20250101__20250331_zGXhmS3VtjP4" style="text-align: right" title="Number of shares exercised">(70</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20250101__20250331_zV3FUOu20H3" style="text-align: right" title="Weighted average exercise price exercised">3.49</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_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di0_c20250101__20250331_zGr4ilOtOTv7" 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_982_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20250101__20250331_zw0D4d6SC12h" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20250101__20250331_zoEO5A4veRk8" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options outstanding at the end of period">6,027</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">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20250101__20250331_z4dajeKXTvHd" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options outstanding at the end of period">5.41</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_909_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20250101__20250331_zgu2bf0FonVb" title="Weighted average remaining contractual term Options outstanding at the end of period">2.46</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331_zJzBP57ZHD19" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options exercisable at the end of period">5,204</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20250331_zE7Yu86fceX3" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options exercisable at the end of period">4.94</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_901_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20250101__20250331_zQsEYmzzl0ee" title="Weighted average remaining contractual term Options exercisable at the end of period">2.24</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"></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">The following table presents the price distribution of stock options outstanding and exercisable for the years ended March 31, 2025 and December 31, 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_88A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zJV0O9gqbbm" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BC_zW4Y049l5VAc" style="display: none">Schedule of price distribution of stock options outstanding and exercisable</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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, 2025</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, 2024</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: 40%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zWfQTnEPcOt2" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,197</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zYV2AOIJkhC3" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,197</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_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zlm6R7Zdo7Na" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,197</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z2hPLYXigT1l" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,197</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_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z2DJ0tKcaF4d" style="text-align: right" title="Number of shares, outstanding">1,955</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zQ6bjJSg7cBl" style="text-align: right" title="Number of shares, exercisable">1,955</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zfDEw1clKdjl" style="text-align: right" title="Number of shares, outstanding">2,026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zzqEoviuMxe2" style="text-align: right" title="Number of shares, exercisable">2,026</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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zRcJHnirkBmi" style="text-align: right" title="Number of shares, outstanding">1,262</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_z05tn5kH93Pb" style="text-align: right" title="Number of shares, exercisable">972</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zYscif22hdM2" style="text-align: right" title="Number of shares, outstanding">1,262</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zLOvHcMLPJY6" style="text-align: right" title="Number of shares, exercisable">972</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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_z9FnyiD66zS1" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,613</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zZ7d2QIb25Lc" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,080</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zuqNOsEXiAik" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,612</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zwzbWzEpGdy8" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">892</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_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331_zXr0RpPKIA14" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,027</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331_zWChRGXfFkke" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">5,204</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231_zjtHP6pkqanl" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,097</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_c20241231_zoOtBMtugel6" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">5,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">At March 31, 2025, the aggregate intrinsic value of options outstanding and exercisable was $<span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_pn5n6_c20250331_zuoMZcXI70Q3" title="Intrinsic value options outstanding">22.2</span> million and $<span id="xdx_90B_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_pn5n6_c20250331_zOSk6oyhugU8" title="Intrinsic value of options exercisable">21.1</span> million, respectively. There were <span id="xdx_903_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_c20250101__20250331__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_z3GSt3dF87k3" title="Options exercised">70,000</span> options exercised for the three months ended March 31, 2025, compared to <span id="xdx_907_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_c20240101__20240331__us-gaap--AwardTypeAxis__custom--OptionsExercisedMember_zEN3UZ6xeIi3" title="Options exercised">180,000</span> for the comparable period in 2024. The total intrinsic value of options exercised was $<span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_c20250101__20250331_zIwWNA1sHWY5" title="Intrinsic value of options exercised">390,000</span> and $<span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_c20240101__20240331_zwDCgDQ0FAkj" title="Intrinsic value of options exercised">716,000</span> for the three-month periods ended March 31, 2025, and 2024. There were <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pip0_c20250331_zOn4kJbrFRF1" title="Shares available for grant">2,984,000</span> shares available for future stock option grants under existing plans as of March 31, 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> 717000 832000 2300000 P0Y9M18D <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_zSB34XImrbae" 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><span id="xdx_8B5_zZbsgggqxfGa" style="display: none">Schedule of stock option activity</span></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"> </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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20250101__20250331_zJlWmFe9Edhg" style="width: 13%; text-align: right" title="Number of shares options outstanding at the beginning of period">6,097</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20250101__20250331_zTfmJ8geTvBe" style="width: 13%; text-align: right" title="Weighted average exercise price options outstanding at the beginning of period">5.39</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_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_d0_c20250101__20250331_z0UtIYsdIyx" 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_98D_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_d0_c20250101__20250331_zDagJ7Vtqbu5" 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_98D_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20250101__20250331_zGXhmS3VtjP4" style="text-align: right" title="Number of shares exercised">(70</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20250101__20250331_zV3FUOu20H3" style="text-align: right" title="Weighted average exercise price exercised">3.49</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_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di0_c20250101__20250331_zGr4ilOtOTv7" 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_982_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20250101__20250331_zw0D4d6SC12h" 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_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20250101__20250331_zoEO5A4veRk8" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options outstanding at the end of period">6,027</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">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20250101__20250331_z4dajeKXTvHd" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options outstanding at the end of period">5.41</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"><span id="xdx_909_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20250101__20250331_zgu2bf0FonVb" title="Weighted average remaining contractual term Options outstanding at the end of period">2.46</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331_zJzBP57ZHD19" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options exercisable at the end of period">5,204</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20250331_zE7Yu86fceX3" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price options exercisable at the end of period">4.94</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_901_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20250101__20250331_zQsEYmzzl0ee" title="Weighted average remaining contractual term Options exercisable at the end of period">2.24</span> years</td></tr> </table> 6097000 5.39 0 0 70000 3.49 -0 0 6027000 5.41 P2Y5M15D 5204000 4.94 P2Y2M26D <table cellpadding="0" cellspacing="0" id="xdx_88A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zJV0O9gqbbm" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BC_zW4Y049l5VAc" style="display: none">Schedule of price distribution of stock options outstanding and exercisable</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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, 2025</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, 2024</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: 40%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zWfQTnEPcOt2" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,197</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zYV2AOIJkhC3" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,197</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_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zlm6R7Zdo7Na" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,197</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z2hPLYXigT1l" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,197</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_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z2DJ0tKcaF4d" style="text-align: right" title="Number of shares, outstanding">1,955</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zQ6bjJSg7cBl" style="text-align: right" title="Number of shares, exercisable">1,955</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zfDEw1clKdjl" style="text-align: right" title="Number of shares, outstanding">2,026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zzqEoviuMxe2" style="text-align: right" title="Number of shares, exercisable">2,026</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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zRcJHnirkBmi" style="text-align: right" title="Number of shares, outstanding">1,262</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_z05tn5kH93Pb" style="text-align: right" title="Number of shares, exercisable">972</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zYscif22hdM2" style="text-align: right" title="Number of shares, outstanding">1,262</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zLOvHcMLPJY6" style="text-align: right" title="Number of shares, exercisable">972</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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_z9FnyiD66zS1" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,613</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zZ7d2QIb25Lc" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,080</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zuqNOsEXiAik" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,612</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20241231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zwzbWzEpGdy8" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">892</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_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20250331_zXr0RpPKIA14" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,027</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20250331_zWChRGXfFkke" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">5,204</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20241231_zjtHP6pkqanl" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,097</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_c20241231_zoOtBMtugel6" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">5,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1197000 1197000 1197000 1197000 1955000 1955000 2026000 2026000 1262000 972000 1262000 972000 1613000 1080000 1612000 892000 6027000 5204000 6097000 5087000 22200000 21100000 70000 180000 390000 716000 2984000 <p id="xdx_845_eus-gaap--StockholdersEquityPolicyTextBlock_zYUrBu9xncMb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_864_z9gDys7jcNA7">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">The table below describes the purchase of our common stock for the three months ended March 31, 2025, and 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zwvPJoWpQKJ2" 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><span id="xdx_8BB_zyEGBWnffKd4" style="display: none">Schedule of purchase of our common stock</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Three Months Ended</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="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2025</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, 2024</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: 40%; 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_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zAMQsMQkaw6k" style="width: 11%; text-align: right" title="Total stock purchases, shares">–</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_985_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z3V74A5TWmyj" style="width: 11%; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zPJjcn3DRMFd" style="width: 11%; 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_zrTNX3x7tUif" style="width: 11%; text-align: right" title="Total stock purchases, average price">8.51</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Shares redeemed upon net exercise of stock options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zjA9d7YDMZjf" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">–</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--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsEOTnL4ssX4" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsdXfgCwQU63" 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_98D_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdI81MAbtigb" 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></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_98B_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20250101__20250331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zGsgLR7wzebj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">–</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zGHLIc3ckZb" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z37T7LCaxl5c" 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_981_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zLYRao7ibnpa" 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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zwvPJoWpQKJ2" 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><span id="xdx_8BB_zyEGBWnffKd4" style="display: none">Schedule of purchase of our common stock</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Three Months Ended</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="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2025</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, 2024</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: 40%; 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_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zAMQsMQkaw6k" style="width: 11%; text-align: right" title="Total stock purchases, shares">–</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_985_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z3V74A5TWmyj" style="width: 11%; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zPJjcn3DRMFd" style="width: 11%; 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_zrTNX3x7tUif" style="width: 11%; text-align: right" title="Total stock purchases, average price">8.51</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Shares redeemed upon net exercise of stock options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zjA9d7YDMZjf" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">–</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--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsEOTnL4ssX4" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsdXfgCwQU63" 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_98D_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdI81MAbtigb" 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></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_98B_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20250101__20250331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zGsgLR7wzebj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">–</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20250101__20250331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zGHLIc3ckZb" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">–</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--StockRepurchasedDuringPeriodShares_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z37T7LCaxl5c" 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_981_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20240101__20240331__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zLYRao7ibnpa" 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></tr> </table> 0 0 101355 8.51 0 0 105758 7.89 0 0 207113 8.19 <p id="xdx_841_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zsmLrEf0yJEj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86A_zPu9pA6TCD59">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">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 style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p id="xdx_844_ecustom--FinancialCovenantsPolicyTextBlock_zIAeY3uARvO2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_867_zADcG6Yrax59">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">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, 2025, we were in compliance with all such covenants. In addition, certain of our debt agreements other than our term securitizations contain cross-default provisions. Such cross-default provisions would allow the respective creditors to declare a default if an event of default occurred with respect to other indebtedness of ours, but only if such other event of default were to be accompanied by acceleration of such other indebtedness.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p id="xdx_841_eus-gaap--CommitmentsAndContingenciesPolicyTextBlock_zaDWvFAyaH61" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_866_z12KfbmlbNU">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">We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Our legal counsel has advised us on such matters where, based on information available at the time of this report, there is an indication that it is both probable that a liability has been incurred and the amount of the loss can be reasonably determined.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_846_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_zBimEoeTraOf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_867_ztQX5p8O6Aq3">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">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_801_ecustom--FinanceReceivableTextBlock_zAfFb1zXVuDe" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><b>(2) <i><span id="xdx_82F_zOe3ATGErJI">Finance Receivables</span> </i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our portfolio of finance receivables consists of small-balance homogeneous contracts comprising a single segment and class that is collectively evaluated for impairment on a portfolio basis according to delinquency status. Our contract purchase guidelines are designed to produce a homogenous portfolio. For key terms such as interest rate, length of contract, monthly payment and amount financed, there is relatively little variation from the average for the portfolio. We report delinquency on a contractual basis. Once a contract becomes greater than 90 days delinquent, we do not recognize additional interest income until the obligor under the contract makes sufficient payments to be less than 90 days delinquent. Any payments received on a contract that is greater than 90 days delinquent are first applied to accrued interest and then to principal reduction.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In January 2018 the Company adopted the fair value method of accounting for finance receivables acquired after 2017. Finance receivables measured at fair value are recorded separately on the Company’s Balance Sheet and are excluded from all tables in this footnote.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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, 2025, and December 31, 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--PastDueFinancingReceivablesTableTextBlock_pn3n3_zrEO92Rzo4Tk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BF_zRGiO7xUxrD4" style="display: none">Schedule of delinquency status of finance receivables</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></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">2025</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>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: 66%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_z7QjKNr5u8Ia" style="width: 13%; text-align: right" title="Finance receivables">1,735</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_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_zLoKjnMhK6Ch" style="width: 13%; text-align: right" title="Total finance receivables with delinquency status">2,994</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z3SwxLavhk9g" style="text-align: right" title="Finance receivables">645</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zKnBEQu1zx8h" style="text-align: right" title="Total finance receivables with delinquency status">1,184</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_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zZYylNJc4VSc" style="text-align: right" title="Total finance receivables with delinquency status">554</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zWtktrN56tR3" style="text-align: right" title="Total finance receivables with delinquency status">971</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_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z6IwR3YhjS59" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">175</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zLM4EmnhwpBk" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">271</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_98D_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331_zdPybwUK7Ts7" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">3,109</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231_zPYUZw3ggum7" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">5,420</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Finance receivables totaling $<span id="xdx_90B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pp0p0_c20250331_zqixAl5WWLl4" title="Finance receivables, non accrual status">175,000</span> and $<span id="xdx_902_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20241231_zd8pebAJXCHi" title="Finance receivables, non accrual status">271,000</span> at March 31, 2025, and December 31, 2024, 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: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><b>Allowance for Credit Losses – Finance Receivables </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of finance receivables to present the net amount expected to be collected. Charge offs are deducted from the allowance when management believes that collectability is unlikely.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">Management estimates the allowance using relevant available information, from internal and external sources, relating to past events, current conditions and, reasonable and supportable forecasts. We believe our historical credit loss experience provides the best basis for the estimation of expected credit losses. Consequently, we use historical loss experience for older receivables, aggregated into vintage pools based on their calendar quarter of origination, to forecast expected losses for less seasoned quarterly vintage pools.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">We measure the weighted average monthly incremental change in cumulative net losses for the vintage pools in the relevant historical period. For the pools in the relevant historical period, we consider each pool’s performance from its inception through the end of the current period. We then apply the results of the historical analysis to less seasoned vintage pools beginning with each vintage pool’s most recent actual cumulative net loss experience and extrapolating from that point based on the historical data. We believe the pattern and magnitude of losses on older vintages allows us to establish a reasonable and supportable forecast of less seasoned vintages.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">Our contract purchase guidelines are designed to produce a homogenous portfolio. For key credit characteristics of individual contracts such as obligor credit history, job stability, residence stability and ability to pay, there is relatively little variation from the average for the portfolio. Similarly, for key structural characteristics such as loan-to-value, length of contract, monthly payment and amount financed, there is relatively little variation from the average for the portfolio. Consequently, we do not believe there are significant differences in risk characteristics between various segments of our portfolio.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">Our methodology incorporates historical pools that are sufficiently seasoned to capture the magnitude and trends of losses within those vintage pools. Furthermore, the historical period encompasses a substantial volume of receivables over periods that include fluctuations in the competitive landscape, the Company’s rates of growth, size of our managed portfolio and fluctuations in economic growth and unemployment.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The following table presents the amortized cost basis of our finance receivables by annual vintage as of March 31, 2025, and December 31, 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_pn3n3_zdCatA4KIFnk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Amortized cost basis)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zFyk64GKYpWj" style="display: none">Schedule of finance receivables by annual vintage</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></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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: underline; text-align: center">Annual Vintage Pool</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%; text-align: left">2015 and prior</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zwfIiIzQ1UBd" style="width: 13%; text-align: right" title="Amortized cost basis of finance receivables">158</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zhjyw37NL2B7" style="width: 13%; text-align: right" title="Amortized cost basis of finance receivables">294</td><td style="width: 1%; 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_98A_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zy2rqcIrMkk6" style="text-align: right" title="Amortized cost basis of finance receivables">739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_z8pMrHyWKQjc" style="text-align: right" title="Amortized cost basis of finance receivables">1,336</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">2017</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zD4XECnI3m3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis of finance receivables">2,212</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zbsrfgX0qmyi" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis of finance receivables">3,790</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_988_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331_z6lCMeut21z5" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis of finance receivables">3,109</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_c20241231_z6LrrlvQnuWf" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis of finance receivables">5,420</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The following table presents a summary of the activity for the allowance for finance credit losses for the three-month periods ended March 31, 2025, and 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_889_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zM8iKmFO5ipk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B3_zen4YqOZOyea" style="display: none">Schedule of allowance for finance credit losses</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%">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--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20250101__20250331_zxd7qrsJBXc6" style="width: 13%; text-align: right" title="Balance at beginning of period">433</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--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20240101__20240331_zcS7slGZ1N5h" style="width: 13%; text-align: right" title="Balance at beginning of period">2,869</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Provision for credit losses on finance receivables</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ProvisionForLoanLossesExpensed_pn3n3_c20250101__20250331_zT0eAZS6QJoi" style="text-align: right" title="Provision for credit losses on finance receivables">(979</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ProvisionForLoanLossesExpensed_pn3n3_c20240101__20240331_zRxN46ZPuYPa" style="text-align: right" title="Provision for credit losses on finance receivables">(1,635</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_985_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_iN_pn3n3_di_c20250101__20250331_z5VV4fM08X73" style="text-align: right" title="Charge-offs">(329</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_iN_pn3n3_di_c20240101__20240331_z7mOtnsUGRJb" style="text-align: right" title="Charge-offs">(1,001</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_985_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_pn3n3_c20250101__20250331_zkMNdrlSIWUb" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">1,124</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--FinancingReceivableAllowanceForCreditLossesRecovery_pn3n3_c20240101__20240331_zcTYCzeqfoe" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">1,657</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_98D_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20250101__20250331_z75jVDJwzZVa" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">249</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_98F_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20240101__20240331_zcnFLIXwDarl" 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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The following table presents the gross charge-offs by year of origination of our finance receivables for the three-month periods ended March 31, 2025, and 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_881_ecustom--ScheduleOfChargeOffsOfFinanceReceivablesTableTextBlock_pn3n3_zYPGmaTwZ5o2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Charge-offs for financed receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BF_zOKwvGzSyXX8" style="display: none">Schedule of gross charge-off</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 style="padding-bottom: 1pt; text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center"><span style="text-decoration: underline">Annual Vintage Pool</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; background-color: White"> <td style="width: 66%; text-align: left">2014 and prior</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zZ4gMpnSuNWh" style="width: 13%; text-align: right" title="Charge-offs">135</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_982_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zxEfXBSMbddg" style="width: 13%; text-align: right" title="Charge-offs">70</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zdeIbTXfizbe" style="text-align: right" title="Charge-offs">27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_z2RW9w2TQJZ9" style="text-align: right" title="Charge-offs">115</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zf1xlhIFI0Hj" style="text-align: right" title="Charge-offs">105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_z2uWDAPsD3g4" style="text-align: right" title="Charge-offs">377</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2017</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zoLi1vVDXnl4" style="text-align: right" title="Charge-offs">62</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zQ0qeOy6Hgk7" style="text-align: right" title="Charge-offs">481</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_iN_pn3n3_di0_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--AppliedAgainstReposInInventoryMemberMember_zfkZCxUkdLX1" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-offs">–</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_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--AppliedAgainstReposInInventoryMemberMember_zCUWN1CQl2ok" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-offs">(42</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_984_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331_zPOsVxi6uGy6" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">329</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331_zd2VwPDGFFa9" 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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--PastDueFinancingReceivablesTableTextBlock_pn3n3_zrEO92Rzo4Tk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BF_zRGiO7xUxrD4" style="display: none">Schedule of delinquency status of finance receivables</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></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">2025</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>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: 66%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_z7QjKNr5u8Ia" style="width: 13%; text-align: right" title="Finance receivables">1,735</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_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_zLoKjnMhK6Ch" style="width: 13%; text-align: right" title="Total finance receivables with delinquency status">2,994</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z3SwxLavhk9g" style="text-align: right" title="Finance receivables">645</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zKnBEQu1zx8h" style="text-align: right" title="Total finance receivables with delinquency status">1,184</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_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zZYylNJc4VSc" style="text-align: right" title="Total finance receivables with delinquency status">554</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zWtktrN56tR3" style="text-align: right" title="Total finance receivables with delinquency status">971</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_989_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z6IwR3YhjS59" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">175</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zLM4EmnhwpBk" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">271</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_98D_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331_zdPybwUK7Ts7" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">3,109</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231_zPYUZw3ggum7" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">5,420</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1735000 2994000 645000 1184000 554000 971000 175000 271000 3109000 5420000 175000 271000 <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_pn3n3_zdCatA4KIFnk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Amortized cost basis)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zFyk64GKYpWj" style="display: none">Schedule of finance receivables by annual vintage</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></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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: underline; text-align: center">Annual Vintage Pool</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%; text-align: left">2015 and prior</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zwfIiIzQ1UBd" style="width: 13%; text-align: right" title="Amortized cost basis of finance receivables">158</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zhjyw37NL2B7" style="width: 13%; text-align: right" title="Amortized cost basis of finance receivables">294</td><td style="width: 1%; 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_98A_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zy2rqcIrMkk6" style="text-align: right" title="Amortized cost basis of finance receivables">739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_z8pMrHyWKQjc" style="text-align: right" title="Amortized cost basis of finance receivables">1,336</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">2017</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zD4XECnI3m3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis of finance receivables">2,212</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--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20241231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zbsrfgX0qmyi" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis of finance receivables">3,790</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_988_eus-gaap--NotesAndLoansReceivableGrossCurrent_iI_pn3n3_c20250331_z6lCMeut21z5" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis of finance receivables">3,109</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_c20241231_z6LrrlvQnuWf" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis of finance receivables">5,420</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 158000 294000 739000 1336000 2212000 3790000 3109000 5420000 <table cellpadding="0" cellspacing="0" id="xdx_889_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zM8iKmFO5ipk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B3_zen4YqOZOyea" style="display: none">Schedule of allowance for finance credit losses</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%">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--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20250101__20250331_zxd7qrsJBXc6" style="width: 13%; text-align: right" title="Balance at beginning of period">433</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--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20240101__20240331_zcS7slGZ1N5h" style="width: 13%; text-align: right" title="Balance at beginning of period">2,869</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Provision for credit losses on finance receivables</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ProvisionForLoanLossesExpensed_pn3n3_c20250101__20250331_zT0eAZS6QJoi" style="text-align: right" title="Provision for credit losses on finance receivables">(979</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ProvisionForLoanLossesExpensed_pn3n3_c20240101__20240331_zRxN46ZPuYPa" style="text-align: right" title="Provision for credit losses on finance receivables">(1,635</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_985_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_iN_pn3n3_di_c20250101__20250331_z5VV4fM08X73" style="text-align: right" title="Charge-offs">(329</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_iN_pn3n3_di_c20240101__20240331_z7mOtnsUGRJb" style="text-align: right" title="Charge-offs">(1,001</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_985_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_pn3n3_c20250101__20250331_zkMNdrlSIWUb" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">1,124</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--FinancingReceivableAllowanceForCreditLossesRecovery_pn3n3_c20240101__20240331_zcTYCzeqfoe" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">1,657</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_98D_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20250101__20250331_z75jVDJwzZVa" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">249</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_98F_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20240101__20240331_zcnFLIXwDarl" 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></tr> </table> 433000 2869000 -979000 -1635000 329000 1001000 1124000 1657000 249000 1890000 <table cellpadding="0" cellspacing="0" id="xdx_881_ecustom--ScheduleOfChargeOffsOfFinanceReceivablesTableTextBlock_pn3n3_zYPGmaTwZ5o2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance Receivables (Details - Charge-offs for financed receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BF_zOKwvGzSyXX8" style="display: none">Schedule of gross charge-off</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 style="padding-bottom: 1pt; text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center"><span style="text-decoration: underline">Annual Vintage Pool</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; background-color: White"> <td style="width: 66%; text-align: left">2014 and prior</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zZ4gMpnSuNWh" style="width: 13%; text-align: right" title="Charge-offs">135</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_982_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_zxEfXBSMbddg" style="width: 13%; text-align: right" title="Charge-offs">70</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_zdeIbTXfizbe" style="text-align: right" title="Charge-offs">27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_z2RW9w2TQJZ9" style="text-align: right" title="Charge-offs">115</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_zf1xlhIFI0Hj" style="text-align: right" title="Charge-offs">105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_z2uWDAPsD3g4" style="text-align: right" title="Charge-offs">377</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2017</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zoLi1vVDXnl4" style="text-align: right" title="Charge-offs">62</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_zQ0qeOy6Hgk7" style="text-align: right" title="Charge-offs">481</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_98D_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_iN_pn3n3_di0_c20250101__20250331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--AppliedAgainstReposInInventoryMemberMember_zfkZCxUkdLX1" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-offs">–</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_c20240101__20240331__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--AppliedAgainstReposInInventoryMemberMember_zCUWN1CQl2ok" style="border-bottom: Black 1pt solid; text-align: right" title="Charge-offs">(42</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_984_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20250101__20250331_zPOsVxi6uGy6" style="border-bottom: Black 2.5pt double; text-align: right" title="Charge-offs">329</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_pn3n3_c20240101__20240331_zd2VwPDGFFa9" 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></tr> </table> 135000 70000 27000 115000 105000 377000 62000 481000 -0 42000 329000 1001000 <p id="xdx_80C_ecustom--SecuritizationTrustDebtTextBlock_ze7N90Aknnvk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(3) <i><span id="xdx_827_zMK3lKLLuNH4">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-top: 0pt; margin-bottom: 0pt; text-align: justify">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_898_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_z7TznBKtVWl6" 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"> <td><span id="xdx_8BE_zzIkwsPcS5Xa" style="display: none">Schedule of securitization trust debt</span></td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Weighted</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Average</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Final</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Receivables</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Outstanding</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Outstanding</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Contractual Debt</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Scheduled</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Pledged at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Principal at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Principal at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Interest Rate at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Payment</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">March 31,</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Initial</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">March 31,</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">December 31,</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">March 31,</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">Series</span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">Date (1)</span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2025 (2)</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">Principal</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2025</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2024</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2025</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="17" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">(Dollars in thousands)</span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 10%"><span style="font-size: 9pt">CPS 2020-C</span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 13%; text-align: right"><span style="font-size: 9pt"><span id="xdx_907_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zkC8N0O9tGmk" title="Final Scheduled Payment Date">November 2027</span></span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_zPmaaBn3eAok" style="width: 11%; text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">22,486</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zbFl6Sv8qce5" style="width: 11%; text-align: right" title="Initial Principal"><span style="font-size: 9pt">252,200</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zLZ2u26Rqcmc" style="width: 11%; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">17,548</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zUcnLi6uOUBj" style="width: 11%; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">22,453</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 11%; text-align: right"><span style="font-size: 9pt"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_z7NKjNrlsrKa" title="Weighted Average Contractual Interest Rate">4.95</span>%</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2021-A</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_907_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDEp_zhQVRegUlMFe" title="Final Scheduled Payment Date">March 2028</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDIp_z1TZTLGSZdqh" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">26,575</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_ziG6gVZktRYe" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">230,545</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_znTgWdlxvJMh" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">19,067</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zEl3a4Bcjeni" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">22,396</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_905_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_z4kEYnu7m224" title="Weighted Average Contractual Interest Rate">2.50</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2021-B</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90C_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_zhl2PNjzB9qj" title="Final Scheduled Payment Date">June 2028</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDIp_zp2AdhXSYGC7" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">34,772</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zpSvYo8Re8k8" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">240,000</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zMOuUETm6tr8" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">27,234</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_ztUtI79XDaM" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">31,903</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zEs93hh6zpn1" title="Weighted Average Contractual Interest Rate">3.41</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2021-C</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_zU45J2IMeLFh" title="Final Scheduled Payment Date">September 2028</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_984_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDIp_zV5WDv34pk5i" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">54,285</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zqJoqAPAItrk" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">291,000</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zXkKjBZoXJt4" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">42,922</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zy5NhMPTg3Pi" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">49,739</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zt6Wan8c4ctg" title="Weighted Average Contractual Interest Rate">2.55</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2021-D</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zjADFuddiUtd" title="Final Scheduled Payment Date">December 2028</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDIp_zSazWOL9oHvd" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">75,514</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zXuDt1h1mmQc" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">349,202</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zwUJnt2o9ftk" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">62,973</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zV8khYH7iMKg" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">72,090</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zktqzTcntdP6" title="Weighted Average Contractual Interest Rate">3.39</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2022-A</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_906_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zqJtZZOmsxF6" title="Final Scheduled Payment Date">April 2029</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDIp_zd32qqDDa1ad" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">85,515</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_z6qE0jbaT0Ud" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">316,800</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zC0pqeZeekVh" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">66,736</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zDYK6c2qUSDl" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">77,872</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zGO7S2r9Tgib" title="Weighted Average Contractual Debt Interest Rate">3.61</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2022-B</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zvgPdNz0ZtBa" title="Final Scheduled Payment Date">October 2029</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDIp_zhH20u9Mv7K2" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">136,495</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_z0k04rPBEM16" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">395,600</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zOI0D0lddKzd" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">115,569</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zeKVRnobWzJ2" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">132,002</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zbIKCJxWrUFg" title="Weighted Average Contractual Interest Rate">5.83</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2022-C</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_zgQitzXGxrRk" title="Final Scheduled Payment Date">April 2030</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDIp_zNHRwv3Lddqa" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">163,166</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zqnTJlCynFki" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">391,600</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zcJxSrZ5Fxeb" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">122,681</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zHOoKpEH0Btg" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">141,176</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zlvnb257lWDk" title="Weighted Average Contractual Interest Rate">6.76</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2022-D</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_zwemmh1xBW6b" title="Final Scheduled Payment Date">June 2030</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDIp_zxiSbokrLtOf" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">141,231</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zibToOnc5wfe" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">307,018</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zSHMJYpMB84l" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">121,637</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zcIujJkmF0E9" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">135,857</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90A_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zXX1nrJHnAb8" title="Weighted Average Contractual Interest Rate">9.08</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2023-A</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDEp_z9iLCIZ8IKDk" title="Final Scheduled Payment Date">August 2030</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDIp_z0m68IaK113j" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">170,620</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zbJhMf6ZxxY6" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">324,768</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zVFlvLFfujUk" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">128,500</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zhppzBkKTxoi" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">146,020</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_909_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zEMw5XXHMV3c" title="Weighted Average Contractual Interest Rate">6.97</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2023-B</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_907_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDEp_zsNJTOu4b80e" title="Final Scheduled Payment Date">November 2030</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDIp_zvfKkWGtjfwf" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">185,817</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zMB6V3mSl8ae" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">332,885</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zgxWIUdL5oC2" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">152,296</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zvd8sQ0aRTLe" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">172,154</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zoTL7qCMDYW1" title="Weighted Average Contractual Interest Rate">7.10</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2023-C</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDEp_zvL5C3QnOq04" title="Final Scheduled Payment Date">February 2031</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDIp_z6L2DiXHB4Qi" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">180,556</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zyDsZigDbnZk" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">291,732</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zPjdOd1KoAui" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">156,898</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zrlVBPQBgCBh" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">175,219</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zmY4mQVvMH39" title="Weighted Average Contractual Debt Interest Rate">6.98</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2023-D</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_904_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDEp_zfMIIoFGj8d1" title="Final Scheduled Payment Date">May 2031</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDIp_zBHpCZYuFPig" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">194,089</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zakiC8yr726j" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">286,149</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zUiqD28Je46j" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">171,113</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zeIaPFAvp845" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">191,621</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zOF74woH2g6" title="Weighted Average Contractual Interest Rate">7.71</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2024-A</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDEp_zClyf1Apt4Cg" title="Final Scheduled Payment Date">August 2031</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDIp_zbYL12kiLWji" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">207,289</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zUKbax6K2uN4" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">280,924</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zqNnEl3Fjjri" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">185,746</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zYESv68CWBw9" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">206,348</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_902_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zjOScu5XxsNb" title="Weighted Average Contractual Interest Rate">6.26</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2024-B</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_903_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_fKDEp_zcxzkkOT6hdc" title="Final Scheduled Payment Date">November 2031</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_fKDIp_zUsNP4sjQG3k" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">259,400</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zbhLd9am9swk" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">319,871</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zTBlQIjz6mH9" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">239,755</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zAcJESWOBOUj" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">262,768</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zdKvJKpO3tRf" title="Weighted Average Contractual Interest Rate">6.42</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2024-C</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_fKDEp_zN2Pt3elm5sf" title="Final Scheduled Payment Date">March 2032</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_fKDIp_z1qkh4JCR0Jd" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">376,172</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zn7pYUoncs1d" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">436,310</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zXL6Am7PFD3j" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">348,842</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zJM6pooWuRi6" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">379,254</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zFRz5iX11B89" title="Weighted Average Contractual Debt Interest Rate">6.24</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2024-D</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_902_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_fKDEp_z79dred9Hjyh" title="Final Scheduled Payment Date">June 2032</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_fKDIp_zqvHfMKQoRS9" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">388,933</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zOrvHseXCU25" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">416,816</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_ze9cqBtoaODj" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">359,232</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zEopvGecUIf3" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">390,983</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zEfTQrlz7Ik2" title="Weighted Average Contractual Debt Interest Rate">5.20</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"><span style="font-size: 9pt">CPS 2025-A</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="text-align: right; padding-bottom: 1pt"><span style="font-size: 9pt"><span id="xdx_909_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_fKDEp_zUduh51LT8X4" title="Final Scheduled Payment Date">August 2032</span></span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_fKDIp_zb2Z5JoQ5S4l" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">443,564</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_z7FQwkzk0dlk" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal"><span style="font-size: 9pt">442,420</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_zYAG7M0KYrV6" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">420,527</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_zxN4vfYvuD15" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">–</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt; text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_z8y0w4vg9PWb" title="Weighted Average Contractual Debt Interest Rate">5.37</span>%</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="text-align: right; padding-bottom: 2.5pt"><b><span id="xdx_90C_ecustom--FinalScheduledPaymentDate_c20250101__20250331_fKDEp_zk6a3T4K7m18" style="display: none" title="Final Scheduled Payment Date"><span style="-sec-ix-hidden: xdx2ixbrl1099">–</span></span></b><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20250331_fKDIp_z17QPT2dLcSg" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">3,146,479</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331_zl2B8UhQxRc" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal"><span style="font-size: 9pt">5,905,840</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331_zqcSTrj9iECe" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">2,759,276</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231_zbU4KlvJXkjl" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">2,609,855</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: right"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="margin: 0pt 0; font-size: 10pt">_________________</p> <p style="margin: 0pt 0; font-size: 10pt"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"><span style="font-size: 9pt"><i id="xdx_F01_zQPxYL4EH13h">(1)</i></span></td><td style="text-align: justify"><span style="font-size: 9pt"><i id="xdx_F1A_zRKbbBTuKKHd">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_90B_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zolx9NoDvC2d" title="Securitization trust debt, payable in 2025">810.2</span> million in 2025, $<span id="xdx_906_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_ztHmsxDPjus8" title="Securitization trust debt, payable in 2026">810.4</span> million in 2026, $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zYc5G60ug1p9" title="Securitization trust debt, payable in 2027">548.7</span> million in 2027, $<span id="xdx_90D_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zey8nw5LD3Sk" title="Securitization trust debt, payable in 2028">329.7</span> million in 2028, $<span id="xdx_905_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zuCyXq7lezsd" title="Securitization trust debt, payable in 2029">171.8</span> million in 2029, $<span id="xdx_903_ecustom--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSix_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zS80DOFLLdok" title="Securitization trust debt, payable in 2030">70.7</span> million in 2030, and $<span id="xdx_908_ecustom--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSeven_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z20s9yPSGquj" title="Securitization trust debt, payable in 2031">1.7</span> million in 2031.</i></span></td></tr> <tr style="vertical-align: top"> <td><span style="font-size: 9pt"><i id="xdx_F0C_zary34nBq377">(2)</i></span></td><td style="text-align: left"><span style="font-size: 9pt"><i id="xdx_F16_zdTP4uRjo2Sc">Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.</i></span></td></tr></table> <p id="xdx_8A6_z0GuoXLJ7Dp7" 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-top: 0pt; margin-bottom: 0pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">Debt issuance costs of $<span id="xdx_90F_eus-gaap--DeferredFinanceCostsGross_iI_pn6n6_c20250331_zMj6e2P525Gl" title="Debt issuance costs">16</span>.0 million and $<span id="xdx_90C_eus-gaap--DeferredFinanceCostsGross_iI_pn5n6_c20241231_zwRwQ1k92qi" title="Debt issuance costs">15.5</span> million as of March 31, 2025, and December 31, 2024, respectively, have been excluded from the table above. These debt issuance costs are presented as a direct deduction to the carrying amount of the Securitization trust debt on our Consolidated Balance Sheets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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-top: 0pt; margin-bottom: 0pt; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The terms of the various securitization agreements related to the issuance of the securitization trust debt require that certain delinquency and credit loss criteria be met with respect to the collateral pool, and require that we maintain minimum levels of liquidity and net worth and not exceed maximum leverage levels. We were in compliance with all such covenants as of March 31, 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">We are responsible for the administration and collection of the contracts. The securitization agreements also require certain funds be held in restricted cash accounts to provide additional credit enhancement for the Notes or to be applied to make payments on the securitization trust debt. As of March 31, 2025, restricted cash under the various agreements totaled approximately $<span id="xdx_90D_eus-gaap--RestrictedCash_iI_pn5n6_c20250331_zob8o7hWXpp" title="Restricted cash under various agreements">153.6</span> million. Interest expense on the securitization trust debt is composed of the stated rate of interest plus amortization of additional costs of borrowing. Additional costs of borrowing include facility fees, insurance premiums, amortization of deferred financing costs, and amortization of discounts required on the notes at the time of issuance. Deferred financing costs related to the securitization trust debt are amortized using the interest method. Accordingly, the effective cost of borrowing of the securitization trust debt is greater than the stated rate of interest.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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 warehouse line of credit. 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 any of our 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_898_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_z7TznBKtVWl6" 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"> <td><span id="xdx_8BE_zzIkwsPcS5Xa" style="display: none">Schedule of securitization trust debt</span></td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Weighted</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Average</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Final</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Receivables</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Outstanding</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Outstanding</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Contractual Debt</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Scheduled</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Pledged at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Principal at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Principal at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Interest Rate at</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Payment</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">March 31,</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">Initial</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">March 31,</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">December 31,</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">March 31,</span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">Series</span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">Date (1)</span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2025 (2)</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">Principal</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2025</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2024</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 9pt">2025</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 9pt"> </span></td><td style="font-weight: bold"><span style="font-size: 9pt"> </span></td> <td colspan="17" style="font-weight: bold; text-align: center"><span style="font-size: 9pt">(Dollars in thousands)</span></td><td><span style="font-size: 9pt"> </span></td> <td colspan="2"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 10%"><span style="font-size: 9pt">CPS 2020-C</span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 13%; text-align: right"><span style="font-size: 9pt"><span id="xdx_907_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zkC8N0O9tGmk" title="Final Scheduled Payment Date">November 2027</span></span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_zPmaaBn3eAok" style="width: 11%; text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">22,486</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zbFl6Sv8qce5" style="width: 11%; text-align: right" title="Initial Principal"><span style="font-size: 9pt">252,200</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zLZ2u26Rqcmc" style="width: 11%; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">17,548</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zUcnLi6uOUBj" style="width: 11%; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">22,453</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 2%"><span style="font-size: 9pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td><td style="width: 11%; text-align: right"><span style="font-size: 9pt"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_z7NKjNrlsrKa" title="Weighted Average Contractual Interest Rate">4.95</span>%</span></td><td style="width: 1%; text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2021-A</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_907_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDEp_zhQVRegUlMFe" title="Final Scheduled Payment Date">March 2028</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDIp_z1TZTLGSZdqh" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">26,575</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_ziG6gVZktRYe" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">230,545</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_znTgWdlxvJMh" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">19,067</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zEl3a4Bcjeni" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">22,396</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_905_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_z4kEYnu7m224" title="Weighted Average Contractual Interest Rate">2.50</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2021-B</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90C_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_zhl2PNjzB9qj" title="Final Scheduled Payment Date">June 2028</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDIp_zp2AdhXSYGC7" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">34,772</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zpSvYo8Re8k8" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">240,000</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zMOuUETm6tr8" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">27,234</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_ztUtI79XDaM" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">31,903</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zEs93hh6zpn1" title="Weighted Average Contractual Interest Rate">3.41</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2021-C</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_zU45J2IMeLFh" title="Final Scheduled Payment Date">September 2028</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_984_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDIp_zV5WDv34pk5i" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">54,285</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zqJoqAPAItrk" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">291,000</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zXkKjBZoXJt4" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">42,922</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zy5NhMPTg3Pi" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">49,739</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zt6Wan8c4ctg" title="Weighted Average Contractual Interest Rate">2.55</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2021-D</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zjADFuddiUtd" title="Final Scheduled Payment Date">December 2028</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDIp_zSazWOL9oHvd" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">75,514</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zXuDt1h1mmQc" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">349,202</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zwUJnt2o9ftk" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">62,973</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zV8khYH7iMKg" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">72,090</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zktqzTcntdP6" title="Weighted Average Contractual Interest Rate">3.39</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2022-A</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_906_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zqJtZZOmsxF6" title="Final Scheduled Payment Date">April 2029</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDIp_zd32qqDDa1ad" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">85,515</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_z6qE0jbaT0Ud" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">316,800</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zC0pqeZeekVh" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">66,736</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zDYK6c2qUSDl" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">77,872</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zGO7S2r9Tgib" title="Weighted Average Contractual Debt Interest Rate">3.61</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2022-B</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zvgPdNz0ZtBa" title="Final Scheduled Payment Date">October 2029</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDIp_zhH20u9Mv7K2" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">136,495</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_z0k04rPBEM16" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">395,600</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zOI0D0lddKzd" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">115,569</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zeKVRnobWzJ2" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">132,002</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zbIKCJxWrUFg" title="Weighted Average Contractual Interest Rate">5.83</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2022-C</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_zgQitzXGxrRk" title="Final Scheduled Payment Date">April 2030</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDIp_zNHRwv3Lddqa" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">163,166</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zqnTJlCynFki" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">391,600</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zcJxSrZ5Fxeb" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">122,681</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zHOoKpEH0Btg" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">141,176</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zlvnb257lWDk" title="Weighted Average Contractual Interest Rate">6.76</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2022-D</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_zwemmh1xBW6b" title="Final Scheduled Payment Date">June 2030</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDIp_zxiSbokrLtOf" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">141,231</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zibToOnc5wfe" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">307,018</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zSHMJYpMB84l" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">121,637</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zcIujJkmF0E9" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">135,857</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90A_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zXX1nrJHnAb8" title="Weighted Average Contractual Interest Rate">9.08</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2023-A</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDEp_z9iLCIZ8IKDk" title="Final Scheduled Payment Date">August 2030</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDIp_z0m68IaK113j" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">170,620</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zbJhMf6ZxxY6" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">324,768</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zVFlvLFfujUk" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">128,500</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zhppzBkKTxoi" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">146,020</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_909_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zEMw5XXHMV3c" title="Weighted Average Contractual Interest Rate">6.97</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2023-B</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_907_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDEp_zsNJTOu4b80e" title="Final Scheduled Payment Date">November 2030</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDIp_zvfKkWGtjfwf" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">185,817</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zMB6V3mSl8ae" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">332,885</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zgxWIUdL5oC2" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">152,296</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zvd8sQ0aRTLe" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">172,154</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zoTL7qCMDYW1" title="Weighted Average Contractual Interest Rate">7.10</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2023-C</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDEp_zvL5C3QnOq04" title="Final Scheduled Payment Date">February 2031</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDIp_z6L2DiXHB4Qi" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">180,556</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zyDsZigDbnZk" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">291,732</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zPjdOd1KoAui" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">156,898</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zrlVBPQBgCBh" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">175,219</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zmY4mQVvMH39" title="Weighted Average Contractual Debt Interest Rate">6.98</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2023-D</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_904_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDEp_zfMIIoFGj8d1" title="Final Scheduled Payment Date">May 2031</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDIp_zBHpCZYuFPig" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">194,089</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zakiC8yr726j" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">286,149</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zUiqD28Je46j" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">171,113</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zeIaPFAvp845" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">191,621</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zOF74woH2g6" title="Weighted Average Contractual Interest Rate">7.71</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2024-A</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDEp_zClyf1Apt4Cg" title="Final Scheduled Payment Date">August 2031</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDIp_zbYL12kiLWji" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">207,289</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zUKbax6K2uN4" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">280,924</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zqNnEl3Fjjri" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">185,746</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zYESv68CWBw9" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">206,348</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_902_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zjOScu5XxsNb" title="Weighted Average Contractual Interest Rate">6.26</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2024-B</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_903_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_fKDEp_zcxzkkOT6hdc" title="Final Scheduled Payment Date">November 2031</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_fKDIp_zUsNP4sjQG3k" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">259,400</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zbhLd9am9swk" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">319,871</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zTBlQIjz6mH9" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">239,755</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zAcJESWOBOUj" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">262,768</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zdKvJKpO3tRf" title="Weighted Average Contractual Interest Rate">6.42</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 9pt">CPS 2024-C</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_fKDEp_zN2Pt3elm5sf" title="Final Scheduled Payment Date">March 2032</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_fKDIp_z1qkh4JCR0Jd" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">376,172</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zn7pYUoncs1d" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">436,310</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zXL6Am7PFD3j" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">348,842</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zJM6pooWuRi6" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">379,254</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zFRz5iX11B89" title="Weighted Average Contractual Debt Interest Rate">6.24</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td><span style="font-size: 9pt">CPS 2024-D</span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_902_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_fKDEp_z79dred9Hjyh" title="Final Scheduled Payment Date">June 2032</span></span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_fKDIp_zqvHfMKQoRS9" style="text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">388,933</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zOrvHseXCU25" style="text-align: right" title="Initial Principal"><span style="font-size: 9pt">416,816</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_ze9cqBtoaODj" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">359,232</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zEopvGecUIf3" style="text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">390,983</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td><td><span style="font-size: 9pt"> </span></td> <td style="text-align: left"><span style="font-size: 9pt"> </span></td><td style="text-align: right"><span style="font-size: 9pt"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zEfTQrlz7Ik2" title="Weighted Average Contractual Debt Interest Rate">5.20</span>%</span></td><td style="text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"><span style="font-size: 9pt">CPS 2025-A</span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="text-align: right; padding-bottom: 1pt"><span style="font-size: 9pt"><span id="xdx_909_ecustom--FinalScheduledPaymentDate_c20250101__20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_fKDEp_zUduh51LT8X4" title="Final Scheduled Payment Date">August 2032</span></span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_fKDIp_zb2Z5JoQ5S4l" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">443,564</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_z7FQwkzk0dlk" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal"><span style="font-size: 9pt">442,420</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_zYAG7M0KYrV6" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">420,527</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 9pt"> </span></td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20241231__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_zxN4vfYvuD15" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">–</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 1pt; text-align: right"><span style="font-size: 9pt"><span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_z8y0w4vg9PWb" title="Weighted Average Contractual Debt Interest Rate">5.37</span>%</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 9pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="text-align: right; padding-bottom: 2.5pt"><b><span id="xdx_90C_ecustom--FinalScheduledPaymentDate_c20250101__20250331_fKDEp_zk6a3T4K7m18" style="display: none" title="Final Scheduled Payment Date"><span style="-sec-ix-hidden: xdx2ixbrl1099">–</span></span></b><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20250331_fKDIp_z17QPT2dLcSg" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged"><span style="font-size: 9pt">3,146,479</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20250331_zl2B8UhQxRc" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal"><span style="font-size: 9pt">5,905,840</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20250331_zqcSTrj9iECe" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">2,759,276</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 9pt">$</span></td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20241231_zbU4KlvJXkjl" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal"><span style="font-size: 9pt">2,609,855</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 9pt"> </span></td> <td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: right"><span style="font-size: 9pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 9pt"> </span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="margin: 0pt 0; font-size: 10pt">_________________</p> <p style="margin: 0pt 0; font-size: 10pt"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"><span style="font-size: 9pt"><i id="xdx_F01_zQPxYL4EH13h">(1)</i></span></td><td style="text-align: justify"><span style="font-size: 9pt"><i id="xdx_F1A_zRKbbBTuKKHd">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_90B_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zolx9NoDvC2d" title="Securitization trust debt, payable in 2025">810.2</span> million in 2025, $<span id="xdx_906_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_ztHmsxDPjus8" title="Securitization trust debt, payable in 2026">810.4</span> million in 2026, $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zYc5G60ug1p9" title="Securitization trust debt, payable in 2027">548.7</span> million in 2027, $<span id="xdx_90D_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zey8nw5LD3Sk" title="Securitization trust debt, payable in 2028">329.7</span> million in 2028, $<span id="xdx_905_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zuCyXq7lezsd" title="Securitization trust debt, payable in 2029">171.8</span> million in 2029, $<span id="xdx_903_ecustom--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSix_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zS80DOFLLdok" title="Securitization trust debt, payable in 2030">70.7</span> million in 2030, and $<span id="xdx_908_ecustom--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSeven_iI_pn5n6_c20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z20s9yPSGquj" title="Securitization trust debt, payable in 2031">1.7</span> million in 2031.</i></span></td></tr> <tr style="vertical-align: top"> <td><span style="font-size: 9pt"><i id="xdx_F0C_zary34nBq377">(2)</i></span></td><td style="text-align: left"><span style="font-size: 9pt"><i id="xdx_F16_zdTP4uRjo2Sc">Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.</i></span></td></tr></table> November 2027 22486000 252200000 17548000 22453000 0.0495 March 2028 26575000 230545000 19067000 22396000 0.0250 June 2028 34772000 240000000 27234000 31903000 0.0341 September 2028 54285000 291000000 42922000 49739000 0.0255 December 2028 75514000 349202000 62973000 72090000 0.0339 April 2029 85515000 316800000 66736000 77872000 0.0361 October 2029 136495000 395600000 115569000 132002000 0.0583 April 2030 163166000 391600000 122681000 141176000 0.0676 June 2030 141231000 307018000 121637000 135857000 0.0908 August 2030 170620000 324768000 128500000 146020000 0.0697 November 2030 185817000 332885000 152296000 172154000 0.0710 February 2031 180556000 291732000 156898000 175219000 0.0698 May 2031 194089000 286149000 171113000 191621000 0.0771 August 2031 207289000 280924000 185746000 206348000 0.0626 November 2031 259400000 319871000 239755000 262768000 0.0642 March 2032 376172000 436310000 348842000 379254000 0.0624 June 2032 388933000 416816000 359232000 390983000 0.0520 August 2032 443564000 442420000 420527000 0 0.0537 3146479000 5905840000 2759276000 2609855000 810200000 810400000 548700000 329700000 171800000 70700000 1700000 16000000 15500000 153600000 <p id="xdx_806_eus-gaap--DebtDisclosureTextBlock_zl2Bfd1K5922" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(4) <i><span id="xdx_82D_zTWrKlvP45mj">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-top: 0pt; margin-bottom: 0pt; text-align: justify">The terms and amounts of our other debt outstanding at March 31, 2025, and December 31, 2024, are summarized below:</p> <table cellpadding="0" cellspacing="0" id="xdx_88E_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_zCSvi96AcAaj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Debt (Details - Debt outstanding)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zV7Yj1Ad9ko4" style="display: none">Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </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 style="padding-bottom: 1pt"> </td> <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">March 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <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">2025</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> </td> <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="border-bottom: Black 1pt solid; text-align: center">Description</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Interest Rate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Subordinate Lender</p> <p style="margin-top: 0; margin-bottom: 0">Interest Rate</p></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Maturity</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> </td> <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="vertical-align: middle; width: 15%; text-align: left">Warehouse lines of credit</td><td style="width: 1%"> </td> <td style="width: 18%; text-align: center"><span id="xdx_90F_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zPj94UJoyHnd" title="Interest rate"><span id="xdx_901_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zW6VOWmVhJ3c" title="Interest rate">3.00% over CP yield rate (Minimum 3.75%) 7.38% and 7.52%</span></span> at March 31, 2025 and December 31 2024, respectively</td><td style="width: 1%"> </td> <td style="width: 18%; text-align: center"><span id="xdx_901_ecustom--DebtInstrumentInterestRateDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z4RyMZe4M0Ik" title="Interest rate date description"><span id="xdx_901_ecustom--DebtInstrumentInterestRateDateDescription_c20240101__20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zIfzEBy7O0d3" title="Interest rate date description">6.40% over SOFR yield rate (Minimum 7.15%) 10.95% and 11.09%</span></span> at March 31, 2025 and December 31, 2024, respectively</td><td style="width: 1%"> </td> <td style="width: 18%; text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zx94bbV9qai5" title="Maturity date description">July 2026</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--WarehouseAgreementBorrowings_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zuXr6VPpwdng" style="width: 11%; text-align: right" title="Warehouse lines of credit">280,400</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_c20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zP23KRz42o51" style="width: 11%; text-align: right" title="Warehouse lines of credit">269,602</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> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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="vertical-align: middle; text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zTdVtHsKdwyj" title="Interest rate"><span id="xdx_908_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zsUUbBmwjo0e" title="Interest rate">4.50% over a commercial paper rate (Minimum 7.50%) 8.82% and 8.90%</span></span> at March 31 2025, and December 31 2024, respectively</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_904_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zFIxHu7z9y4" title="Maturity date description">March 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zvmSycPtQ23g" style="text-align: right" title="Warehouse lines of credit">88,988</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zvzYnCPc6Khj" style="text-align: right" title="Warehouse lines of credit">145,597</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> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_901_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zghzIrVWC7T2" title="Interest rate">7.86</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90C_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_z3rj1lQw3FX8" title="Maturity date description">June 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ResidualInterestFinancing_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zRIhAyh89ABc" 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_987_ecustom--ResidualInterestFinancing_pn3n3_c20241231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zDZ4c37uH8F6" 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: 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_90B_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zTKyEEW5LAP2" title="Interest rate">11.50</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90C_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zIPKmJj3hnGf" title="Maturity date description">March 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ResidualInterestFinancing_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zunWFHDpcUk6" 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_98B_ecustom--ResidualInterestFinancing_iI_pn3n3_c20241231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zdJ9MlNT8GA7" 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: 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_906_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zKKtYkLdt8pg" title="Interest rate">11.00</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90E_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_znQQ96Qx6kHh" title="Maturity date description">June 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ResidualInterestFinancing_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_z398c0QPDl0b" style="text-align: right" title="Residual interest financing">65,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20241231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_z0L6FuWhI5Jk" 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: 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="vertical-align: middle; text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="vertical-align: middle; text-align: center; padding-bottom: 1pt">Weighted average rate of <span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zVOKrzb3OW42" title="Debt Instrument, Interest Rate Terms">9.18</span>% and <span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20241231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zyYhkzyLrje3" title="Debt Instrument, Interest Rate Terms">9.24</span>% at March 31, 2025 and December 31, 2024, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">Weighted average maturity of <span id="xdx_903_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zbBOC5khV3L4" title="Maturity date description">April 2027</span> and <span id="xdx_900_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20241231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zZJaHAXEtoOe" title="Maturity date description">December 2026</span> at March 31, 2025 and December 31, 2024, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--SubordinatedDebt_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zerfHXClksjh" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">27,547</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--SubordinatedDebt_pn3n3_c20241231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zCl9ARtqrJC4" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">26,489</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="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="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_989_eus-gaap--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20250331_zvOR3TQUpkKj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">561,935</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--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20241231_zRCqNvB19ul" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">541,688</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On March 20, 2025, we completed a $<span id="xdx_905_eus-gaap--ProceedsFromIssuanceOfLongTermDebt_pn6n6_c20250319__20250320__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20251Member_zrXyhPtWbfzl" title="Proceeds from residual interest financings">65</span> million securitization of residual interests from previously issued securitizations. In the transaction, a qualified institutional buyer purchased $<span id="xdx_90E_eus-gaap--LongTermDebt_iI_pn6n6_c20250320__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20251Member_z1umWPtI2ypa" title="Long-term debt">65</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 October 2023 through September 2024. The sold notes (“2025-1 Notes”), issued by CPS Auto Securitization Trust 2025-1, consist of a single class with a coupon of 11.00%. At March 31, 2025, there was $<span id="xdx_905_eus-gaap--LongTermDebt_iI_pn6n6_c20250331__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20251Member_zjOUbgTEiDs8" title="Long-term debt">65</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">On December 19, 2024, we increased the capacity of our revolving credit agreement with Citibank, N.A., to $<span id="xdx_902_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn6n6_c20241219__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zV0fefQlDrHg" title="Line of credit, maximum borrowing capacity">335</span> million. This follows the November 2024 closing of a revolving credit agreement with Oaktree Capital Management, which is subordinate to our credit agreement with Citibank, N.A. The facility provides effective advances up to 10.00% of eligible finance receivables, effectively increasing the advance rate up to 95% across the facility for eligible receivables. The revolving credit agreement with Citibank, N.A. was last renewed in July 2024, extending the maturity date to July 2026 followed by an amortization period through July 2027 for any receivables pledged at the end of the revolving period. There was $<span id="xdx_907_eus-gaap--LineOfCredit_iI_pn5n6_c20250331__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zE0ChNv4UDxe" title="Line of credit outstanding">280.4</span> million outstanding under this facility at March 31, 2025.</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">On March 29, 2024, we renewed our two-year $<span id="xdx_901_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn6n6_c20240329__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--AresAgentServicesMember_zwiy8CkFJw86" title="Line of credit, maximum borrowing capacity">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_902_eus-gaap--LineOfCredit_iI_pn6n6_c20240329__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--AresAgentServicesMember_zBxic1MQB6U">89</span>.0 million outstanding under this facility at March 31, 2025.</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">On March 22, 2024, we completed a $<span id="xdx_906_eus-gaap--ProceedsFromIssuanceOfLongTermDebt_pn6n6_c20240321__20240322__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20241Member_zZ3ysXWKy4Zi" title="Proceeds from residual interest financings">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--LongTermDebt_iI_pn6n6_c20240322__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20241Member_zTT6MacFlqs">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, 2025, there was $<span id="xdx_90F_eus-gaap--LongTermDebt_iI_pn6n6_c20250331__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20241Member_zsSfEAkkABQb">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">On June 30, 2021, we completed a $<span id="xdx_907_eus-gaap--ProceedsFromIssuanceOfLongTermDebt_pn6n6_c20210629__20210630__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20211Member_zftqaMBVXoYk" title="Proceeds from residual interest financings">50</span> million securitization of residual interests from previously issued securitizations. In this residual interest financing transaction, qualified institutional buyers purchased $<span id="xdx_904_eus-gaap--LongTermDebt_iI_pn6n6_c20210630__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20241Member_zJvrhjV9eqr">50</span>.0 million of asset-backed notes secured by residual interests in eleven CPS securitizations consecutively issued from January 2018 and September 2020. The sold notes (“2021-1 Notes”), issued by CPS Auto Securitization Trust 2021-1, consist of a single class with a coupon of 7.86%. At March 31, 2025, there was $<span id="xdx_905_eus-gaap--LongTermDebt_iI_pn6n6_c20250331__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20241Member_z9NaQOixYW29">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">Unamortized debt issuance costs of $<span id="xdx_902_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn5n6_c20250331_zHFjTrGvUac8" title="Unamortized debt issuance costs">1.6</span> million and $<span id="xdx_90D_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pp0p0_c20241231_zfYmIQhTNF4g" title="Unamortized debt issuance costs">824,000</span> as of March 31, 2025, and December 31, 2024, respectively, have been excluded from the amount reported above for residual interest financing. Similarly, unamortized debt issuance costs of $<span id="xdx_90E_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn5n6_c20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zFH8YOVjYvlh" title="Unamortized debt issuance costs">3.7</span> million and $<span id="xdx_907_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn5n6_c20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_ztAR6OUkvOFe" title="Unamortized debt issuance costs">4.3</span> million as of March 31, 2025, and December 31, 2024, 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_88E_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_zCSvi96AcAaj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Debt (Details - Debt outstanding)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zV7Yj1Ad9ko4" style="display: none">Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </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 style="padding-bottom: 1pt"> </td> <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">March 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <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">2025</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> </td> <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="border-bottom: Black 1pt solid; text-align: center">Description</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Interest Rate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Subordinate Lender</p> <p style="margin-top: 0; margin-bottom: 0">Interest Rate</p></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Maturity</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> </td> <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="vertical-align: middle; width: 15%; text-align: left">Warehouse lines of credit</td><td style="width: 1%"> </td> <td style="width: 18%; text-align: center"><span id="xdx_90F_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zPj94UJoyHnd" title="Interest rate"><span id="xdx_901_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zW6VOWmVhJ3c" title="Interest rate">3.00% over CP yield rate (Minimum 3.75%) 7.38% and 7.52%</span></span> at March 31, 2025 and December 31 2024, respectively</td><td style="width: 1%"> </td> <td style="width: 18%; text-align: center"><span id="xdx_901_ecustom--DebtInstrumentInterestRateDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z4RyMZe4M0Ik" title="Interest rate date description"><span id="xdx_901_ecustom--DebtInstrumentInterestRateDateDescription_c20240101__20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zIfzEBy7O0d3" title="Interest rate date description">6.40% over SOFR yield rate (Minimum 7.15%) 10.95% and 11.09%</span></span> at March 31, 2025 and December 31, 2024, respectively</td><td style="width: 1%"> </td> <td style="width: 18%; text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zx94bbV9qai5" title="Maturity date description">July 2026</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--WarehouseAgreementBorrowings_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zuXr6VPpwdng" style="width: 11%; text-align: right" title="Warehouse lines of credit">280,400</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_c20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zP23KRz42o51" style="width: 11%; text-align: right" title="Warehouse lines of credit">269,602</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> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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="vertical-align: middle; text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zTdVtHsKdwyj" title="Interest rate"><span id="xdx_908_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zsUUbBmwjo0e" title="Interest rate">4.50% over a commercial paper rate (Minimum 7.50%) 8.82% and 8.90%</span></span> at March 31 2025, and December 31 2024, respectively</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_904_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zFIxHu7z9y4" title="Maturity date description">March 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zvmSycPtQ23g" style="text-align: right" title="Warehouse lines of credit">88,988</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20241231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zvzYnCPc6Khj" style="text-align: right" title="Warehouse lines of credit">145,597</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> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_901_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zghzIrVWC7T2" title="Interest rate">7.86</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90C_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_z3rj1lQw3FX8" title="Maturity date description">June 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ResidualInterestFinancing_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zRIhAyh89ABc" 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_987_ecustom--ResidualInterestFinancing_pn3n3_c20241231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zDZ4c37uH8F6" 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: 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_90B_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zTKyEEW5LAP2" title="Interest rate">11.50</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90C_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zIPKmJj3hnGf" title="Maturity date description">March 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ResidualInterestFinancing_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zunWFHDpcUk6" 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_98B_ecustom--ResidualInterestFinancing_iI_pn3n3_c20241231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zdJ9MlNT8GA7" 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: 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_906_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zKKtYkLdt8pg" title="Interest rate">11.00</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90E_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_znQQ96Qx6kHh" title="Maturity date description">June 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ResidualInterestFinancing_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_z398c0QPDl0b" style="text-align: right" title="Residual interest financing">65,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20241231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_z0L6FuWhI5Jk" 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: 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="vertical-align: middle; text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="vertical-align: middle; text-align: center; padding-bottom: 1pt">Weighted average rate of <span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20250331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zVOKrzb3OW42" title="Debt Instrument, Interest Rate Terms">9.18</span>% and <span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20241231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zyYhkzyLrje3" title="Debt Instrument, Interest Rate Terms">9.24</span>% at March 31, 2025 and December 31, 2024, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">Weighted average maturity of <span id="xdx_903_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20250331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zbBOC5khV3L4" title="Maturity date description">April 2027</span> and <span id="xdx_900_eus-gaap--DebtInstrumentMaturityDateDescription_c20240101__20241231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zZJaHAXEtoOe" title="Maturity date description">December 2026</span> at March 31, 2025 and December 31, 2024, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--SubordinatedDebt_iI_pn3n3_c20250331__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zerfHXClksjh" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">27,547</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--SubordinatedDebt_pn3n3_c20241231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zCl9ARtqrJC4" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">26,489</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="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="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_989_eus-gaap--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20250331_zvOR3TQUpkKj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">561,935</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--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20241231_zRCqNvB19ul" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">541,688</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 3.00% over CP yield rate (Minimum 3.75%) 7.38% and 7.52% 3.00% over CP yield rate (Minimum 3.75%) 7.38% and 7.52% 6.40% over SOFR yield rate (Minimum 7.15%) 10.95% and 11.09% 6.40% over SOFR yield rate (Minimum 7.15%) 10.95% and 11.09% July 2026 280400000 269602000 4.50% over a commercial paper rate (Minimum 7.50%) 8.82% and 8.90% 4.50% over a commercial paper rate (Minimum 7.50%) 8.82% and 8.90% March 2026 88988000 145597000 0.0786 June 2026 50000000 50000000 0.1150 March 2029 50000000 50000000 0.1100 June 2032 65000000 0 0.0918 0.0924 April 2027 December 2026 27547000 26489000 561935000 541688000 65000000 65000000 65000000 335000000 280400000 200000000 89000000 50000000 50000000 50000000 50000000 50000000 50000000 1600000 824000 3700000 4300000 <p id="xdx_809_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTextBlock_zlRRQSizcV5j" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><b>(5) <i><span id="xdx_827_zzP7NXo7rA2k">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: left">The following table presents the components of interest income:</p> <table cellpadding="0" cellspacing="0" id="xdx_88E_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zbe5fihX3vC" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B6_zY7dfOJURD4i" style="display: none">Schedule of interest income</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_493_20250101__20250331_z66uNsajIb27" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_491_20240101__20240331_zKBbwFbfbO94" 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"> </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">2025</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 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_zJCNKgxphef5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; 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">1,171</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">2,337</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_zsd51n1uujma" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">99,567</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">80,505</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--InterestAndOtherIncome_pn3n3_zvlYuT7NTbQ4" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,195</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,446</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_zvOokfVYzRj4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">101,933</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">84,288</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: left"> </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: left"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the components of interest expense:</p> <table cellpadding="0" cellspacing="0" id="xdx_88A_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zPSdoxL7YYk6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BF_zO6BuLhSkRBd" style="display: none">Schedule of interest expense</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%; text-align: left">Securitization trust debt</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--InterestExpense_pn3n3_c20250101__20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zli9JhBq21Ag" style="width: 13%; text-align: right" title="Interest expense">45,044</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_985_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zsYCTB7vmf99" style="width: 13%; text-align: right" title="Interest expense">35,932</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_980_eus-gaap--InterestExpense_pn3n3_c20250101__20250331__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zka7l1MmGU5" style="text-align: right" title="Interest expense">6,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zpTC4jCZakq7" style="text-align: right" title="Interest expense">4,321</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_986_eus-gaap--InterestExpense_pn3n3_c20250101__20250331__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zw12JPYUn5Xj" style="text-align: right" title="Interest expense">2,715</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zNPd5RKLl5b1" style="text-align: right" title="Interest expense">1,209</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_98E_eus-gaap--InterestExpense_pn3n3_c20250101__20250331__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zGfMNAUE6s76" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">646</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--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zvfNOCnuv4C" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">506</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">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_987_eus-gaap--InterestExpense_pn3n3_c20250101__20250331_z6CV2KB6dMp1" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">54,918</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--InterestExpense_pn3n3_c20240101__20240331_z0zjMC1oDzM9" 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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_88E_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zbe5fihX3vC" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B6_zY7dfOJURD4i" style="display: none">Schedule of interest income</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_493_20250101__20250331_z66uNsajIb27" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_491_20240101__20240331_zKBbwFbfbO94" 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"> </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">2025</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 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_zJCNKgxphef5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; 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">1,171</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">2,337</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_zsd51n1uujma" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">99,567</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">80,505</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--InterestAndOtherIncome_pn3n3_zvlYuT7NTbQ4" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,195</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,446</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_zvOokfVYzRj4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">101,933</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">84,288</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1171000 2337000 99567000 80505000 1195000 1446000 101933000 84288000 <table cellpadding="0" cellspacing="0" id="xdx_88A_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zPSdoxL7YYk6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BF_zO6BuLhSkRBd" style="display: none">Schedule of interest expense</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%; text-align: left">Securitization trust debt</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--InterestExpense_pn3n3_c20250101__20250331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zli9JhBq21Ag" style="width: 13%; text-align: right" title="Interest expense">45,044</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_985_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zsYCTB7vmf99" style="width: 13%; text-align: right" title="Interest expense">35,932</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_980_eus-gaap--InterestExpense_pn3n3_c20250101__20250331__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zka7l1MmGU5" style="text-align: right" title="Interest expense">6,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zpTC4jCZakq7" style="text-align: right" title="Interest expense">4,321</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_986_eus-gaap--InterestExpense_pn3n3_c20250101__20250331__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zw12JPYUn5Xj" style="text-align: right" title="Interest expense">2,715</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zNPd5RKLl5b1" style="text-align: right" title="Interest expense">1,209</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_98E_eus-gaap--InterestExpense_pn3n3_c20250101__20250331__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zGfMNAUE6s76" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">646</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--InterestExpense_pn3n3_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zvfNOCnuv4C" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">506</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">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_987_eus-gaap--InterestExpense_pn3n3_c20250101__20250331_z6CV2KB6dMp1" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">54,918</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--InterestExpense_pn3n3_c20240101__20240331_z0zjMC1oDzM9" 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></tr> </table> 45044000 35932000 6513000 4321000 2715000 1209000 646000 506000 54918000 41968000 <p id="xdx_802_eus-gaap--EarningsPerShareTextBlock_zSzKUsBCn3Jk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(6) <i><span id="xdx_823_zJjQhoFuESa">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-top: 0pt; margin-bottom: 0pt; text-align: justify">Earnings per share for the three-month periods ended March 31, 2025, and 2024 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, 2025, and 2024:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_z7CZdbwk5iXf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Earnings Per Share (Details)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B4_z59KGJ5fr7wc" style="display: none">Schedule of earnings per share</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_491_20250101__20250331_zfEEsXSQDoP6" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20240101__20240331_zvJhcHxZAWcf" 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"> </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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_409_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_zieSBBw9JNY5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 66%">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">21,444</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">21,143</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_z0trpvXK0LCh" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt">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">2,881</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">3,459</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_pn3n3_zFI1LMSOSt89" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt">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">24,325</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,602</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"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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, 2025, would have included an additional <span id="xdx_902_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn5n6_c20250101__20250331_zsqgP586v2o2" title="Antidilutive shares">1.4</span> million shares attributable to the exercise of outstanding options and warrants. For the three months ended March 31, 2024, <span id="xdx_90B_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn5n6_c20240101__20240331_zK7tZkO1VKe1" title="Antidilutive shares">1.7</span> million shares, would be included in the diluted earnings per share calculation.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_z7CZdbwk5iXf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Earnings Per Share (Details)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B4_z59KGJ5fr7wc" style="display: none">Schedule of earnings per share</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_491_20250101__20250331_zfEEsXSQDoP6" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20240101__20240331_zvJhcHxZAWcf" 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"> </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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_409_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_zieSBBw9JNY5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 66%">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">21,444</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">21,143</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_z0trpvXK0LCh" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt">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">2,881</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">3,459</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_pn3n3_zFI1LMSOSt89" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt">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">24,325</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,602</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 21444000 21143000 2881000 3459000 24325000 24602000 1400000 1700000 <p id="xdx_809_eus-gaap--IncomeTaxDisclosureTextBlock_zDIHZy7shHsb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(7) <i><span id="xdx_82B_z35In0kgLri6">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-top: 0pt; margin-bottom: 0pt; text-align: justify">We file numerous consolidated and separate income tax returns with the United States and with many states. With few exceptions, we are no longer subject to U.S. federal, state, or local examinations by tax authorities for years before 2015.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">As of March 31, 2025, and December 31, 2024, we had no unrecognized tax benefits for uncertain tax positions. We do not anticipate that total unrecognized tax benefits will significantly change due to any settlements of audits or expirations of statutes of limitations over the next 12 months.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The Company and its subsidiaries file a consolidated federal income tax return and combined or stand-alone state franchise tax returns for certain states. We utilize the asset and liability method of accounting for income taxes, under which deferred income taxes are recognized for the future tax consequences attributable to the differences between the financial statement values of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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_90D_eus-gaap--DeferredTaxAssetsNet_iI_c20250331_zCiLeUUrwlRh" title="Net deferred tax asset">826,000</span> as of March 31, 2025, is more likely than not based on forecasted future net earnings. Our net deferred tax asset of $<span id="xdx_90E_eus-gaap--DeferredTaxAssetsNet_iI_c20250331_zc4xOZKVVqN3" title="Net deferred tax asset">826,000</span> consists of approximately $<span id="xdx_907_eus-gaap--DeferredTaxAssetsNet_iI_c20250331__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_zMWFs8ShAJse" title="Net deferred tax asset">338,000</span> of net U.S. federal deferred tax assets and $<span id="xdx_904_eus-gaap--DeferredTaxAssetsNet_iI_c20250331__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_zBSeFKq78uFl" title="Net deferred tax asset">488,000</span> of net state deferred tax assets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">Income tax expense was $<span id="xdx_901_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20250101__20250331_z3E2FZraQgN6" title="Income tax expense">2.1</span> million for the three months ended March 31, 2025, representing effective income tax rates of <span id="xdx_905_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20250101__20250331_zQe5e8RW0r19" title="Effective income tax rate reconciliation, percent">31</span>%, compared to income tax expense of $<span id="xdx_90C_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn6n6_c20240101__20240331_zOpIusOTMMJ" title="Income tax expense">2</span>.0 million for the three months ended March 31, 2024, and representing effective income tax rates of <span id="xdx_904_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20240101__20240331_zpKWtulEHr27" title="Effective income tax rate reconciliation, percent">30</span>% respectively.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 826000 826000 338000 488000 2100000 0.31 2000000 0.30 <p id="xdx_805_eus-gaap--LegalMattersAndContingenciesTextBlock_zW3eUzPN4fCl" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><b>(8) <i><span id="xdx_821_zUQ8CLN9SfF7">Legal Proceedings</span> </i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><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-top: 0pt; margin-bottom: 0pt; text-align: justify"><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. Prior to the motion being ruled upon, summary judgment was granted in our favor, disposing of the claims against CPS. An appeal of the summary judgment ruling was filed on October 25, 2024, and we filed a cross appeal of the denial of the motion to compel arbitration on October 31, 2024.</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><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, 2025, 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 range of reasonably possible losses for the legal proceedings and contingencies we face, including those described or identified above, as of March 31, 2025, does not exceed $<span id="xdx_90A_ecustom--MaximumPossibleLossesForLegalProceedingsAndContingencies_iI_pn5n6_c20250331_z32icO3Vs0Dd" title="Maximum possible losses for legal proceedings and contingencies">3.2</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: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><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> 3200000 <p id="xdx_805_eus-gaap--FairValueMeasurementInputsDisclosureTextBlock_zcZvbGwkBC1f" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(9) <span id="xdx_82A_zpB0oegDqq14">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-top: 0pt; margin-bottom: 0pt; text-align: justify">ASC 820, “Fair Value Measurements” clarifies the principle that fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. Under the standard, fair value measurements would be separately disclosed by level within the fair value hierarchy.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">ASC 820 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The three levels are defined as follows: level 1 - inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets; level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">Effective January 2018 we have elected to use the fair value method to value our portfolio of finance receivables acquired in January 2018 and thereafter.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">Our valuation policies and procedures have been developed by our Accounting department in conjunction with our Risk department and with consultation with outside valuation experts. Our policies and procedures have been approved by our Chief Executive and our Board of Directors and include methodologies for valuation, internal reporting, calibration and back testing. Our periodic review of valuations includes an analysis of changes in fair value measurements and documentation of the reasons for such changes. There is little available third-party information such as broker quotes or pricing services available to assist us in our valuation process.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">For the quarter ended March 31, 2025, the Company evaluated the appropriate fair value and future earnings rate of existing receivables compared to recently acquired receivables and our assessment of potential additional future net losses on the portfolio of finance receivables carried at fair value and did not record a mark down to that portfolio.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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_887_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zWQ5ccyZKBGa" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Reconciliation of finance receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zdRMcTURvSq3" style="display: none">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20250101__20250331_z3qaj9GShSk4" style="width: 13%; text-align: right" title="Balance at beginning of period">3,313,767</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--ReceivablesFairValueDisclosure_iS_pn3n3_c20240101__20240331_z9aqQmNOhP2j" style="width: 13%; text-align: right" title="Balance at beginning of period">2,722,662</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_98D_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20250101__20250331_zeOC4kW6jC7a" style="text-align: right" title="Finance receivables at fair value acquired during period">449,602</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20240101__20240331_zvpOA7D9QpOf" style="text-align: right" title="Finance receivables at fair value acquired during period">328,893</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_980_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20250101__20250331_znoAel3KmbXe" style="text-align: right" title="Payments received on finance receivables at fair value">(252,856</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20240101__20240331_zxIbyyGRvdTl" style="text-align: right" title="Payments received on finance receivables at fair value">(210,935</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_983_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20250101__20250331_zzRrQDj1bWLf" style="text-align: right" title="Net interest income accretion on fair value receivables">(64,907</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20240101__20240331_znJFcoOAa5rh" style="text-align: right" title="Net interest income accretion on fair value receivables">(54,247</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_989_ecustom--MarkToFairValue_pn3n3_c20250101__20250331_zZsxpDjGuh1g" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">3,500</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--MarkToFairValue_pn3n3_c20240101__20240331_zcPQiBiCqNE1" 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></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_984_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20250101__20250331_zHo29va3iFpf" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">3,449,106</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--ReceivablesFairValueDisclosure_iE_pn3n3_c20240101__20240331_zrM0YAYmrRfj" 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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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_88E_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_zZjP35iHyKN2" 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_8B0_zaXP0ELdtw0g" style="display: none">Schedule of finance receivables to their contractual balances</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </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 style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </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, 2025</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, 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="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_98F_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20250331_zo4GreqRUke" style="width: 13%; text-align: right" title="Finance receivables contractual balance">3,611,445</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20250331_zP99shzbU1J9" style="width: 13%; text-align: right" title="Finance receivables measured at fair value">3,449,106</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20241231_zkrKiw1lxZCg" style="width: 13%; text-align: right" title="Finance receivables contractual balance">3,485,540</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--ReceivablesFairValueDisclosure_iI_pn3n3_c20241231_zOdqjwWIjGCa" style="width: 13%; text-align: right" title="Finance receivables measured at fair value">3,313,767</td><td style="width: 1%; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The following table provides certain qualitative information about our level 3 fair value measurements:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zubWfg9Uet57" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Level 3 fair value measurements)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span id="xdx_8BD_zd4z3S35Hyda" 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: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="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">Weight Avg. 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 style="text-align: center"> </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">2025</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 style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unobservable</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <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> </td> <td> </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="text-indent: -10pt; padding-left: 10pt; width: 24%; text-align: left">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_c20250331_zZBMQk4AdTPf" style="width: 11%; text-align: right" title="Finance receivables measured at fair value">3,449,106</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20241231_zaSgtWUrUgHa" style="width: 11%; text-align: right" title="Finance receivables measured at fair value">3,313,767</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 19%; 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: right"><span id="xdx_906_ecustom--DiscountRateOnFinanceReceivables_c20250101__20250331_z6GGIWdJiA61" title="Discount rate on finance receivables">11.37%</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: right"><span id="xdx_901_ecustom--DiscountRateOnFinanceReceivables_c20230101__20231231_z9gRhD8sPHak" title="Discount rate on finance receivables">11.37%</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">Cumulative net losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_901_ecustom--CumulativeNetLossesOnFinanceReceivables_c20250101__20250331_z5ynqLHmdCwk" title="Cumulative net losses on finance receivables">15.73%</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_ecustom--CumulativeNetLossesOnFinanceReceivables_c20230101__20231231_zJ5FoXBCwcQg" title="Cumulative net losses on finance receivables">15.47%</span></td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The following table summarizes the delinquency status of these finance receivables measured at fair value as of March 31, 2025 and December 31, 2024:</p> <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_pn3n3_z58tQ3KRWeo7" 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_8BA_zPyIbs3XY73c" style="display: none">Schedule of delinquency status of finance receivables measured at fair value</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></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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z5a7hF6Z68V" style="width: 13%; text-align: right" title="Finance receivables">3,166,583</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zMGoTs1SBUi8" style="width: 13%; text-align: right" title="Finance receivables">2,969,864</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zM5i3TpG73S9" style="text-align: right" title="Finance receivables">194,950</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zpdb0chVJMh5" style="text-align: right" title="Finance receivables">241,883</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zM5JSr998wBi" style="text-align: right" title="Finance receivables">95,158</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zMGayrcbBXs1" style="text-align: right" title="Finance receivables">113,662</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z7FPADfBQdu2" style="text-align: right" title="Finance receivables">60,862</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zpa9EwI9Lqz8" style="text-align: right" title="Finance receivables">64,810</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Repo</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zNBdJT3cM50i" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables">93,892</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_z3jyd4TF3H17" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables">95,321</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_985_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331_zBUi0dfqvUyf" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">3,611,445</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231_zOaniA4OE4q3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">3,485,540</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">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, 2025, and 2024.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">The estimated fair values of financial assets and liabilities at March 31, 2025, and December 31, 2024, were as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zc1Avhnw6uM6" 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><span id="xdx_8B8_zJB5t8UP3C76" style="display: none">Schedule of fair values of financial assets and liabilities</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20250331__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zZbk8VlbbSsg" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20250331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zMWxmPIiK5o8" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20250331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zicSB2TY4m3e" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20250331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zOXz0zoKn1ib" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_491_20250331_zwpQfcQ63wPa" 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"> </td> <td colspan="18" style="font-weight: bold; text-align: center">As of March 31, 2025</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_zKAR54VRIjb8" style="vertical-align: bottom; background-color: White"> <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">29,841</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">29,841</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</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">29,841</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zjL5T5USPZY8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">153,637</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">153,637</td><td style="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">153,637</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zvo5qnlhU8A5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,860</td><td style="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">2,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,473</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_z2P6AgSRwce" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">37</td><td style="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">37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">37</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_zjT9og0VO0xe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">365,683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">365,683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">365,683</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--ResidualsInterestFinancing_iI_pn3n3_d0_zU591grHgmW1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">163,391</td><td style="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">163,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">163,391</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_z52mGKDo2vg9" 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">11,209</td><td style="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">11,209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,209</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SecuredDebt_iI_pn3n3_d0_zPXTkodMiFbd" 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">2,743,269</td><td style="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">2,733,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,733,488</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zfKETTq7ue6c" 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">27,547</td><td style="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">27,547</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">27,547</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49B_20241231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_z3HhWEdbsTL1" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49D_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zU85Hf5M9ATf" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49F_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zFxhnxp4bI8e" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_492_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zqgcztQrZpF7" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49A_20241231_zFtvRi2RtQej" 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="18" style="padding-bottom: 1pt; font-weight: bold; text-align: center">As of December 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_409_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zXbu0h5aKXZ7" 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">11,713</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">11,713</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</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">11,713</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zqGz2IwdOaLh" 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">125,684</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">125,684</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">125,684</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zXf8ibUIyod5" 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">4,987</td><td style="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">3,996</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,996</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_zpimRFhWEmn" 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">65</td><td style="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">65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">65</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_zXYxgoyx8AF6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">410,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">410,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">410,898</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zI1WdMna4PFb" 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">10,663</td><td style="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">10,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,663</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SecuredDebt_iI_pn3n3_d0_zqzg37WkEia9" 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">2,594,384</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,614,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,614,352</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zPp9xezxUui2" 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">26,489</td><td style="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">26,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,489</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A3_zfW0h2eGyXsh" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zWQ5ccyZKBGa" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Reconciliation of finance receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zdRMcTURvSq3" style="display: none">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td 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"> </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">2025</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 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: 66%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20250101__20250331_z3qaj9GShSk4" style="width: 13%; text-align: right" title="Balance at beginning of period">3,313,767</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--ReceivablesFairValueDisclosure_iS_pn3n3_c20240101__20240331_z9aqQmNOhP2j" style="width: 13%; text-align: right" title="Balance at beginning of period">2,722,662</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_98D_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20250101__20250331_zeOC4kW6jC7a" style="text-align: right" title="Finance receivables at fair value acquired during period">449,602</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20240101__20240331_zvpOA7D9QpOf" style="text-align: right" title="Finance receivables at fair value acquired during period">328,893</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_980_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20250101__20250331_znoAel3KmbXe" style="text-align: right" title="Payments received on finance receivables at fair value">(252,856</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--PaymentsOnFinanceReceivablesAtFairValue_pn3n3_c20240101__20240331_zxIbyyGRvdTl" style="text-align: right" title="Payments received on finance receivables at fair value">(210,935</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_983_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20250101__20250331_zzRrQDj1bWLf" style="text-align: right" title="Net interest income accretion on fair value receivables">(64,907</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20240101__20240331_znJFcoOAa5rh" style="text-align: right" title="Net interest income accretion on fair value receivables">(54,247</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_989_ecustom--MarkToFairValue_pn3n3_c20250101__20250331_zZsxpDjGuh1g" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">3,500</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--MarkToFairValue_pn3n3_c20240101__20240331_zcPQiBiCqNE1" 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></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_984_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20250101__20250331_zHo29va3iFpf" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">3,449,106</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--ReceivablesFairValueDisclosure_iE_pn3n3_c20240101__20240331_zrM0YAYmrRfj" 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></tr> </table> 3313767000 2722662000 449602000 328893000 -252856000 -210935000 64907000 54247000 3500000 5000000 3449106000 2791373000 <table cellpadding="0" cellspacing="0" id="xdx_88E_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_zZjP35iHyKN2" 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_8B0_zaXP0ELdtw0g" style="display: none">Schedule of finance receivables to their contractual balances</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </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 style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </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, 2025</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, 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="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_98F_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20250331_zo4GreqRUke" style="width: 13%; text-align: right" title="Finance receivables contractual balance">3,611,445</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20250331_zP99shzbU1J9" style="width: 13%; text-align: right" title="Finance receivables measured at fair value">3,449,106</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20241231_zkrKiw1lxZCg" style="width: 13%; text-align: right" title="Finance receivables contractual balance">3,485,540</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--ReceivablesFairValueDisclosure_iI_pn3n3_c20241231_zOdqjwWIjGCa" style="width: 13%; text-align: right" title="Finance receivables measured at fair value">3,313,767</td><td style="width: 1%; text-align: left"> </td></tr> </table> 3611445000 3449106000 3485540000 3313767000 <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zubWfg9Uet57" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Level 3 fair value measurements)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span id="xdx_8BD_zd4z3S35Hyda" 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: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="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">Weight Avg. 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 style="text-align: center"> </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">2025</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 style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unobservable</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <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> </td> <td> </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="text-indent: -10pt; padding-left: 10pt; width: 24%; text-align: left">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_c20250331_zZBMQk4AdTPf" style="width: 11%; text-align: right" title="Finance receivables measured at fair value">3,449,106</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20241231_zaSgtWUrUgHa" style="width: 11%; text-align: right" title="Finance receivables measured at fair value">3,313,767</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 19%; 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: right"><span id="xdx_906_ecustom--DiscountRateOnFinanceReceivables_c20250101__20250331_z6GGIWdJiA61" title="Discount rate on finance receivables">11.37%</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: right"><span id="xdx_901_ecustom--DiscountRateOnFinanceReceivables_c20230101__20231231_z9gRhD8sPHak" title="Discount rate on finance receivables">11.37%</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">Cumulative net losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_901_ecustom--CumulativeNetLossesOnFinanceReceivables_c20250101__20250331_z5ynqLHmdCwk" title="Cumulative net losses on finance receivables">15.73%</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_ecustom--CumulativeNetLossesOnFinanceReceivables_c20230101__20231231_zJ5FoXBCwcQg" title="Cumulative net losses on finance receivables">15.47%</span></td><td style="text-align: left"> </td></tr> </table> 3449106000 3313767000 11.37% 11.37% 15.73% 15.47% <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_pn3n3_z58tQ3KRWeo7" 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_8BA_zPyIbs3XY73c" style="display: none">Schedule of delinquency status of finance receivables measured at fair value</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></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">2025</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="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z5a7hF6Z68V" style="width: 13%; text-align: right" title="Finance receivables">3,166,583</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zMGoTs1SBUi8" style="width: 13%; text-align: right" title="Finance receivables">2,969,864</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zM5i3TpG73S9" style="text-align: right" title="Finance receivables">194,950</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zpdb0chVJMh5" style="text-align: right" title="Finance receivables">241,883</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zM5JSr998wBi" style="text-align: right" title="Finance receivables">95,158</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zMGayrcbBXs1" style="text-align: right" title="Finance receivables">113,662</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z7FPADfBQdu2" style="text-align: right" title="Finance receivables">60,862</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zpa9EwI9Lqz8" style="text-align: right" title="Finance receivables">64,810</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Repo</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zNBdJT3cM50i" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables">93,892</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_z3jyd4TF3H17" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables">95,321</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_985_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20250331_zBUi0dfqvUyf" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">3,611,445</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--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20241231_zOaniA4OE4q3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">3,485,540</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 3166583000 2969864000 194950000 241883000 95158000 113662000 60862000 64810000 93892000 95321000 3611445000 3485540000 <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zc1Avhnw6uM6" 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><span id="xdx_8B8_zJB5t8UP3C76" style="display: none">Schedule of fair values of financial assets and liabilities</span></td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20250331__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zZbk8VlbbSsg" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20250331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zMWxmPIiK5o8" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20250331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zicSB2TY4m3e" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20250331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zOXz0zoKn1ib" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_491_20250331_zwpQfcQ63wPa" 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"> </td> <td colspan="18" style="font-weight: bold; text-align: center">As of March 31, 2025</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_zKAR54VRIjb8" style="vertical-align: bottom; background-color: White"> <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">29,841</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">29,841</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</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">29,841</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zjL5T5USPZY8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">153,637</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">153,637</td><td style="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">153,637</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zvo5qnlhU8A5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,860</td><td style="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">2,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,473</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_z2P6AgSRwce" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">37</td><td style="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">37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">37</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_zjT9og0VO0xe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">365,683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">365,683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">365,683</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--ResidualsInterestFinancing_iI_pn3n3_d0_zU591grHgmW1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">163,391</td><td style="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">163,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">163,391</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_z52mGKDo2vg9" 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">11,209</td><td style="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">11,209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,209</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SecuredDebt_iI_pn3n3_d0_zPXTkodMiFbd" 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">2,743,269</td><td style="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">2,733,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,733,488</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zfKETTq7ue6c" 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">27,547</td><td style="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">27,547</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">27,547</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49B_20241231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_z3HhWEdbsTL1" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49D_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zU85Hf5M9ATf" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49F_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zFxhnxp4bI8e" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_492_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zqgcztQrZpF7" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49A_20241231_zFtvRi2RtQej" 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="18" style="padding-bottom: 1pt; font-weight: bold; text-align: center">As of December 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_409_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zXbu0h5aKXZ7" 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">11,713</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">11,713</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</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">11,713</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zqGz2IwdOaLh" 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">125,684</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">125,684</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">125,684</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zXf8ibUIyod5" 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">4,987</td><td style="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">3,996</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,996</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_zpimRFhWEmn" 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">65</td><td style="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">65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">65</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_zXYxgoyx8AF6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">410,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">410,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">410,898</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zI1WdMna4PFb" 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">10,663</td><td style="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">10,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,663</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SecuredDebt_iI_pn3n3_d0_zqzg37WkEia9" 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">2,594,384</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,614,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,614,352</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zPp9xezxUui2" 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">26,489</td><td style="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">26,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,489</td><td style="text-align: left"> </td></tr> </table> 29841000 29841000 0 0 29841000 153637000 153637000 0 0 153637000 2860000 0 0 2473000 2473000 37000 0 0 37000 37000 365683000 0 0 365683000 365683000 163391000 163391000 163391000 11209000 0 0 11209000 11209000 2743269000 0 0 2733488000 2733488000 27547000 0 0 27547000 27547000 11713000 11713000 0 0 11713000 125684000 125684000 0 0 125684000 4987000 0 0 3996000 3996000 65000 0 0 65000 65000 410898000 0 0 410898000 410898000 10663000 0 0 10663000 10663000 2594384000 0 0 2614352000 2614352000 26489000 0 0 26489000 26489000 <p id="xdx_80A_eus-gaap--SegmentReportingDisclosureTextBlock_zaG4e8CpSpe6" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><b><i>10) <span id="xdx_82E_z0jfiY5nMsk6">Business Segment Information</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The company has one reportable segment. This determination is made by our Chief Executive Officer, who acts as the chief operating decision-maker (“CODM”), in assessing performance and making decisions regarding resource allocation. The CODM assesses performance by reviewing the consolidated financial statements, which reflect the financial results of our one reportable operating segment.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">Within the Company’s one reportable segment, it provides indirect vehicle financing to motor vehicle dealer’s less credit- worthy borrowers. The Company’s revenue primarily consists of interest income and is derived from the interest recorded on contracts the Company has purchased, The revenue generated from any individual borrower is deemed to be immaterial.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <p id="xdx_809_eus-gaap--SubsequentEventsTextBlock_zVaSvafl3txc" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(11) <span id="xdx_823_z9drUPoQWks4">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-top: 0pt; margin-bottom: 0pt; text-align: justify">On May 12, 2025, we executed our second securitization of 2025. In the transaction, qualified institutional buyers purchased $419.95 million of asset-backed notes secured by $439.29 million in automobile receivables originated by CPS. The sold notes, issued by CPS Auto Receivables Trust 2025-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 5.96%.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </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 $810.2 million in 2025, $810.4 million in 2026, $548.7 million in 2027, $329.7 million in 2028, $171.8 million in 2029, $70.7 million in 2030, and $1.7 million in 2031. Includes repossessed assets that are included in Other assets on our Unaudited Condensed Consolidated Balance Sheet.