In the recent years, Tempo Funding, LLC has provided a yield to our investor community of an 11-13% range. While we strive to continue to provide this type of return, market conditions require that we adjust the rate that we pay our investors to align to the rates we deploy the capital on our loans and staying competitive. Our sector of real estate investing and Private Lending, has provided great returns over the last few years. As a result, many new hard-money lenders are entering the space of short-term financing that we have specialized in. While we welcome the competition, we realize that our pricing power have somewhat diminished.