Welcome back to CU Lab where I, your host Randy, am joined this time by Matt Roe, the Chief Revenue Officer at Open Lending, to delve into the dynamic landscape of near and non-prime consumer trends in the used and new car markets. As we reflect on the challenges and opportunities of the past year, Matt sheds light on Open Lending's commitment to making vehicle ownership more accessible, especially for underserved credit union members. We explore the impact of the Fed's interest rate hikes on near and non-prime consumers, discussing the factors that contributed to a significant decline in used car originations.