Knew. Possibly just pursuing the through to you to definitely. So could it be practical to conclude based on exactly what once the your informed me they, Jen, you to definitely step 1.4% to at least one.6% NCO rates on your mindset to own ’23 so you can ’24, is-they reflects-as well as one other swinging bits in the put vehicles prices, once they was to accounts you have depend on your mindset which you discussed contemplates brand new achievability of your own number that you’ve outlined, in the event that put car costs was to normalize returning to 2019 profile?
I mean on the book, merely to end up being really obvious, i have you to ten% so you can 15% average annual fall off, which would move through our efficiency, in addition to into the presumptions around NCOs. And simply bear in mind, i also have qualitative products, and we have been extremely alert to the newest suspicion regarding doing work ecosystem, the elevated package opinions that we have been originating against.
