I also want to mention before we proceed that a reconciliation of any non-GAAP information provided on this call to the most directly comparable GAAP information is available on the Investor Relations section of our website at www.cashamerica.com. Non-GAAP financial information is not meant as a substitute for GAAP results but is included solely for informational and comparative purposes.Now with that out of the way, we can proceed with our prepared remarks. We issued 2 press releases earlier this morning: the first reporting our board's decision, which was made yesterday, to withdraw the registration statement on Form S-1 for the proposed initial public offering of our wholly owned subsidiary Enova International, Inc.; and the second release reporting our financial results for the quarter and year-to-date period ended June 30. I will provide my thoughts on both. Regarding the withdrawal of Enova's registration statement, I'll remind you that we first filed the registration statement with the SEC in September of last year for the proposed initial public offering of common stock of Enova which is the subsidiary comprising our e-commerce segment. The registration statement has been amended several times since the initial filing in order to update the financial information and to revise other disclosures, including updating the offering size. Throughout this process and with the help of our investment bankers, our board has been constantly assessing the IPO market condition to find a window of opportunity to launch the IPO of Enova at an attractive valuation. Since the initial filing, the IPO market has proven to be extraordinarily volatile by historical standards, which in turn has provided investors with significant leverage over issuers, and that leverage imbalance has driven IPO discounts to unacceptably high levels, in our opinion. Additionally, during this likely period since September of last year, we've been unable to speak openly about the business prospects of our e-commerce segment due to the SEC regulations that prohibit such discussions during the registration process. The same regulations have also restricted our ability to provide earnings guidance for the full Cash America enterprise.