Q: Due to interest rates, both GSY, AFRM and UPSThave taken a beating.

However you seem optimistic about GSY but not AFRM and UPST. What's the reason?

Do you see GSY doubling over the next 12 months.

I am thinking to sell my AFRM and UPST and buy GSY i stead.

Q: Hi- would welcome your take on the recent outperformance- it has announced a deal to "off load" some of its loans. It also is an AI play and this is apparently gaining traction.

Q: Could you please comment on their results and outlook?

Thanks,
Milan