Now obviously no one's got a crystal ball, but it is our board's current judgment that the volatility in the IPO market is not likely to abate anytime soon, particularly given the ongoing turmoil in the European Union and the uncertainties about U.S. fiscal and tax policy following the elections in November. Now, as clearly, the board has concluded that we should withdraw the registration statement at this time, which will allow management to freely and to openly and transparently communicate about our entire business. We will also be resuming our practice of providing earnings guidance, which Tom will discuss in his remarks.The registration statement was not yet to be declared effective by the SEC and no securities were sold, pursuant to the registration statement. Not -- Enova filed this application for withdrawal of the registration statement with the SEC after the market closed yesterday afternoon. At this point, I can tell you that our board is very happy continuing to operate Enova as a wholly owned sub of Cash America International. This e-commerce segment of our business continues to grow at very impressive rates as it expands internationally and deploys innovative new consumer credit products in the U.S., and we all continue to believe the business has an exciting future. Now we did acknowledge in the original registration statement that we wanted to establish a market value of Enova that was independent from the market value of Cash America's common stock and provide Enova the opportunity to focus singularly on its business strategies while the balance of the Cash America organization focus on its strategy of expanding the storefront business of our retail services segment. And while this objective may still remain valid, I can confirm you -- confirm for you that we have never been irrevocably committed to the carve-out of Enova. However, we are committed to doing what is in the best interest of our shareholders. And we will continue to assess the viability of a potential carve-out in the future as part of the capital planning and market assessment reviews that we do on a routine basis.