What is the test for establishing good cause for a motion to set aside a default?

Determining if good cause exists requires the court consider three factors: (1) whether [the defendant] engaged in culpable conduct that led to the default; (2) whether [the defendant] had a meritorious defense; or (3) whether reopening the default would prejudice [the plaintiff]." Franchise Holding II, LLC v. Huntington Rests. Grp., Inc., 375 F.3d 922, 925-926 (9th Cir. 2004) (citation omitted). The defendant bears the burden of establishing good cause for setting aside the default, and a district court is free to deny the motion if any of the three factors favor denial. See id. at 926.