$1.$ What would be the reason that A$/$R turnover is so high? What receivables are there in retail?

$2.$ Would you argue that their RCOE is sufficient for shareholders in the most current year?

$3.$ Why is there such a large divergence in the return on equity $($ROE$)$ ratio when assuming a high bias in all three ratios vs a low bias in all three ratios?

$4.$ Why does bias occur?

$5.$ What is a possible explanation for the positive relationship between funded$\_$amnt $($amount of the loan funded$)$ and loan repayment?

$6.$ What is a possible explanation for the negative relationship between int$\_$rate and loan repayment?