This includes, but is not limited to, our expectation and ability to pay a quarterly cash dividend on our common stock in the future, subject to the determination by our Board of Directors, and based on an evaluation of our earnings, financial condition and requirements, business conditions, capital allocation determinations, and other factors, risks and uncertainties, our and ability to execute loan sales and share repurchases; our projections for originations and earnings growth and balance sheet position; and any estimates related to pending accounting standard changes.