What began as a trend toward digital marketing is now a firmly established direction. Growth and diversification in our revenue base are clear evidence that we have been successful in acquiring clients who can benefit from digital marketing.

Philip has served our shareholders with integrity, discipline, and skill over the past seven years.

We were two very different people and led two dramatically different lives. [Messina] went off in his direction, and I went off in mine. We had a good working relationship when we were working together, but we were never close buddies that hung out a lot because we're different kinds of people,

I look at it as smart growth. Smart marketing. Is there a case to be made that we're too many places and we're too many places too fast? There probably is. But at the same time, there's not a seat to be had in the house, and people are tuning in all over the country. So you can't argue against it, either.

We have seen the mass marketing of these loans and the growth of these loans and determined it was appropriate for us to take a closer look.

Our growth has been great, especially considering I don't have a marketing budget. We rely heavily on word of mouth.