We have also incorporated a good delinquency picture all over all of our mortgage portfolios Thank you so much, J.B., and hello people. I shall initiate towards Slide six. The effectiveness of our very own economic abilities once more which quarter shows all of our disciplined performing strategy and also the went on delivery facing the a lot of time-title strategic goals. Even after lingering shifts regarding bigger field, the effectiveness of Ally’s car and you will electronic lender systems