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Since your article a LOT has changed both at macro level as well as micro (QoQ revenue dropped from 60% in Q2 to about 16% in Q3 and anticipated to drop to 12%-16% in yet to be reported Q4 on 2/15/22.

What are your thoughts on UPST as of today January 22, 2022 and after having gone through the stock reaching $400 and cut by 80% (with no light at the end of tunnel yet)?

An analyst from Wedbush today claimed there are increasing delinquencies (but of course without offering one single iota of proof and/or source of his claim). Your thoughts on this claim...?

Thank you

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