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Thank you for your positive comments. We review and consider all feedback for opportunities to reinforce what we do well and to improve where appropriate. Regarding the Cons listed, we are sorry that the poster had a negative experience but hope others will keep the following information in mind. Republic Finance is a growing company that prides itself on its track record of promoting from within. Our Assistant Branch Manager program is specifically designed to train, develop and promote qualified individuals into branch management and even higher-level positions in the company. We’ve been highly successful at doing so. Individual opportunities are affected by employee performance, geographic preference, and branch expansion, among other things. Monthly incentives for branch team members are used to encourage strong performance in areas that match the strategical goals of Republic Finance. The structure of branch team member incentives changes as company goals change. Team members have access to incentive forecast tools, which help them to understand and preview their monthly incentive payments. Technology is a tool to do a job. We have been successful in utilizing technology to benefit our customers and our employees, and our work in this area is ongoing. Technological improvements have been made year after year, and we will continue to implement new technology. We continue to communicate with Our Team about these ongoing activities.