And because of that change in pricing, 2 things are happening. One is a lot less borrowers are getting approved, right? So a lot of them are being pushed above the 36% APR threshold. And then even for those who are still getting approved, their prices are a lot higher and maybe less predisposed to taking the loan. So those 2 things combined have resulted in the contracting conversion rate.
I think that we, I think, continue to think of the balance sheet along the lines of the parameters we've expressed the market, which is there's a certain number we won't go above, and that's probably roughly where we were last quarter. We also sort of said in our remarks that there is a transaction that did not complete in Q1, but we expect it to complete in Q2, and that will bring our balance sheet down next quarter. Now from there, we may sort of continue to use the balance sheet as a platform tool. But I think that you'll probably see us remain sort of in a volume where we are sort of peaking at the $1 billion range and then ebbing or flowing from there based on whether we're transacting or accumulating.