CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash Flows from Operating Activities
Net income (loss)	$ (53,563)	$ (52,020)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation and amortization	26,451	12,407
Stock-based compensation expense, net of amounts capitalized	48,055	36,262
Provision for bad debt	8,161	8,530
Other non-cash, net	369	(772)
Changes in operating assets and liabilities, net of effects from purchases of businesses:
Trade receivables	(16,803)	10,990
Other operating assets	(2,168)	(5,266)
Accounts payable	55,684	(2,543)
Other operating liabilities	2,430	1,023
Net cash provided by (used in) operating activities	68,616	8,611
Cash Flows from Investing Activities
Net increase in finance receivables	(12,536)	(30,991)
Proceeds from sale of real estate	14,083	0
Purchases of property and equipment	(3,834)	(1,518)
Capitalization of software costs	(22,438)	(19,319)
Purchases of marketable securities	(21,607)	(116,036)
Maturities and redemptions of marketable securities	85,164	107,690
Sales of marketable securities	130,090	2,649
Acquisition of businesses (net of cash acquired)	(156,608)	(28,649)
Net cash provided by (used in) investing activities	12,314	(86,174)
Cash Flows from Financing Activities
Proceeds from long term debt	455,000	305,000
Payments towards long term debt	(455,000)	(275,500)
Payment of debt issuance costs	(1,966)	0
Proceeds from exercise of stock options	8,644	3,576
Payment of RSU tax withholdings in exchange for common shares surrendered by RSU holders	(19,537)	(11,280)
Proceeds from employee stock purchase plan	1,998	1,330
Other financing activities	(66)	(74)
Net cash provided by (used in) financing activities	(10,927)	23,052
Effect of exchange rate changes on cash, cash equivalents, and restricted cash	(50)	(5)
Net increase (decrease) in cash, cash equivalents, and restricted cash	69,953	(54,516)
Cash, cash equivalents, and restricted cash, beginning of period	182,571	280,752
Cash, cash equivalents, and restricted cash, end of period	252,524	226,236
Non-cash investing and financing activities:
Stock-based compensation included in capitalized software development costs	3,869	2,394
Purchase of property and equipment and internal use software in accounts payable	$ 886	$ 1,277