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We will be doing this together.

As a matter of fact, if we go along.

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And itis that last slide, I'm sorry, second to last.

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My name is Dubis Correal to talk.

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My name is Tony Camilli and I serve as an adjunct professor, and she did used auto loans auto loans not respond. And we collected these to help -- if consumers were left with balances on the loans or maybe.

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