As we continue to see the benefits of our efficient marketing activities, the leverage inherent in our online-only model, and thoughtful expense management.

Oct 23, 2025 / CFO / receipt, needs a key / Steve Cunningham, CFO | earnings call 2025-10-23 | transcript ea31b401-95b4-4fc6-84b3-37ace74234f1 | chars 15464-15620 | segment 15

Our fixed costs continue to scale as we focus on operating efficiency and thoughtful expense management.

Apr 29, 2025 / CFO / receipt, needs a key / Steve Cunningham, CFO | earnings call 2025-04-29 | transcript 02e9669a-f688-40b3-95cf-8f32720d9b8c | chars 16185-16289 | segment 16

Our operating costs this quarter continue to reflect the operating leverage inherent in our online model and thoughtful expense management to support our businesses.

Oct 27, 2022 / CFO / receipt, needs a key / Steve Cunningham, CFO | earnings call 2022-10-27 | transcript bbebd893-83f5-47ac-b3c9-9c8c4ffd1120 | chars 16373-16538 | segment 16