A. Credits increase or decrease in a community is fundamentally driven by:

1. Significant increase/decrease in demand

2. Significant increase/decrease in competition (e.g., higher # of premiums)

3. Significant increase/decrease in overall supply

4. Significant increase/decrease in depth (% of premiums or featured in a community)

B. However, we cannot provide the specifics for the changes, as there is a lot of data and intelligence behind the changes.