Under new interim CEO James Silk, we believe BENF's near-term priorities include resolving legal issues and simplifying the capital structure to position the business for long-term growth. Traction on BENF's interactive technology platform, AltAccess, is key to supporting transaction volume growth to scale BENF's business, in our view. We think the new leadership may explore additional opportunities to drive revenue by outsourcing the technology. We lower our estimates to reflect greater uncertainty around the trajectory of growth in liquidity transactions. Our estimates continue to focus on the segment results of Ben Liquidity and Ben Custody. BENF recently disclosed an agreement to settle all claims in lawsuits related to GWG Holdings for an amount within applicable directors and officers insurance. The agreement is subject to final court approval. We maintain our high risk rating to reflect substantial risk related to ongoing litigation against BENF amid the current management transition. The rating further balances BENF's growing addressable market with its funding model and ability to conduct liquidity transactions.