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The company, which uses artificial intelligence in lending decisions, now expects 2022 revenue of roughly $1.25 billion. Its prior forecast was for about $1.4 billion in revenue.The rise in consumer interest rates means that "on the margin, a whole bunch of people that would have been approved are no longer approved," Chief Executive Dave Girouard said on Upstart's earnings call."So there's a whole bunch of loans that just never happened at all, and there's a bunch of people that are still approved, but the interest rate is a few percentage points higher, and a certain fraction of them are going to decide that's not the product that they want," he said, especially citing the case of discretionary purchases.

Lucid Group (LCID) is an EV manufacturer based in California. I am bullish on the stock.Lucid is not a run-of-the-mill EV maker. The Lucid Air EV model is sleek, powerful, and luxurious. Besides, the company has a disruptive vision for the automotive industry, and LCID stockholders have to be willing to accept some risk and volatility.Prospective investors must also consider that Lucid has a global vision.Moreover, Lucid’s recently issued financial press release offers up not only some eye-opening results, but a new pricing model for Lucid’s EV model lineup. Some folks might like the pricing model and others won’t, but in the long term, it could help to boost Lucid’s top and bottom lines.With that in mind, let’s give LCID stock a test drive and see what’s under the hood.Another Pivotal Mom

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