I have not had a chance to go through all the news so had missed that - my wee one had her first basketball game this afternoon, so I missed all the action.
The report sounds like it came in about as expected and the guidance sounds a bit optimistic to me but they are probably counting on a big "one time charge off that happens every quarter" to cover some of the earnings miss. Enjoy - hope it does well for you. There is more coming in the sector, so be ready.