Something smells off about this update.- Net income of US$0.6M,...

Something smells off about this update.
- Net income of US$0.6M, however debt is an additional ~US$10M
- Sep23 performance barely up on Aug23. Aug23 UMS dropped later in the month to only report a 11.7% increase (from expectation of 15.3%)
- Revenue as a % of UMS is not increasing of late despite offering Sezzle Premium and Anywhere
- Why is Sezzle silent about Bad Debts? I was expecting around $1.8M in Net Income this month, however Bad Debts or the 1% discount for Anywhere subscribers must have chewed that up.