(1) Summary of Significant Accounting Policies (Tables)

3 Months Ended

Mar. 31, 2022

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended
	March 31,
	2022		2021
	(In thousands)
Direct mail revenues	$	774	$	979
Convenience fee revenue		80		240
Recoveries on previously charged-off contracts		20		15
Sales tax refunds		144		171
Other		888		31
Other income for the period	$	1,906	$	1,436

Supplemental balance sheet information related to leases

	March 31,			December 31,
	2022			2021
	(In thousands)
Operating Leases
Operating lease right-of-use assets	$	25,820		$	25,819
Less: Accumulated amortization right-of-use assets		(18,972	)		(17,624	)
Operating lease right-of-use assets, net	$	6,848		$	8,195
Operating lease liabilities	$	(7,684	)	$	(9,058	)
Finance Leases
Property and equipment, at cost	$	3,407		$	3,407
Less: Accumulated depreciation		(2,620	)		(2,348	)
Property and equipment, net	$	787		$	1,059
Finance lease liabilities	$	(842	)	$	(1,124	)
Weighted Average Discount Rate
Operating lease		5.0%			5.0%
Finance lease		6.5%			6.5%

(1) Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)

Maturities of lease liabilities were as follows:
(In thousands)		Operating			Finance
Year Ending March 31,		Lease			Lease
2022	$	4,644		$	752
2023		1,888			84
2024		920			26
2025		795			9
2026		501			–
Thereafter		1,160			–
Total undiscounted lease payments		9,908			871
Less amounts representing interest		(2,224	)		(29	)
Lease Liability	$	7,684		$	842

Lease information

	Three Months Ended
	March 31,
	2022		2021
	(In thousands)
Operating lease cost	$	1,761	$	1,837
Finance lease cost		298		308
Total lease cost	$	2,059	$	2,145

Supplemental cash flow information related to leases

	Three Months Ended
	March 31,
	2022		2021
Cash paid for amounts included in the measurement of lease liabilities:	(In thousands)
Operating cash flows from operating leases	$	1,788	$	1,930
Operating cash flows from finance leases		282		274
Financing cash flows from finance leases		16		35

Share-based Payment Arrangement, Option, Activity

	Number of Shares (in thousands)		Weighted Average Exercise Price		Weighted Average Remaining Contractual Term
Options outstanding at the beginning of period	13,074		$	4.54	N/A
Granted	750			10.32	N/A
Exercised	(1,366	)		4.29	N/A
Forfeited	(430	)		7.51	N/A
Options outstanding at the end of period	12,028		$	4.82	3.18 years
Options exercisable at the end of period	8,068		$	4.74	2.00 years

Schedule of stock options outstanding and exercisable

	Number of shares as of		Number of shares as of
	March 31, 2022		December 31, 2021
	Outstanding	Exercisable	Outstanding	Exercisable
Range of exercise prices:	(In thousands)		(In thousands)
$0.95 - $1.99	34	34	577	577
$2.00 - $2.99	1,517	489	1,517	489
$3.00 - $3.99	4,172	3,270	4,285	3,382
$4.00 - $4.99	2,847	1,567	2,870	1,410
$5.00 - $5.99	–	–	–	–
$6.00 - $6.99	1,933	1,933	2,651	2,652
$7.00 - $7.99	775	775	1,175	1,175
$8.00 - $11.00	750	–	–	–
Total shares	12,028	8,068	13,074	9,685

Schedule of purchases of company stock

	Three Months Ended
	March 31, 2022				March 31, 2021
		Shares		Avg. Price		Shares		Avg. Price
Open market purchases		922,363	$	11.19		138,004	$	4.18
Shares redeemed upon net exercise of stock options		295,088		12.68		40,727		4.36
Total stock purchases		1,217,451	$	11.55		178,731	$	4.22