Alex Hess

Maybe you can just highlight one on Fire, the progress and prospective benefits, but also just sort of learnings from running that ERP implementation successfully over the years

First is the recently announced 3-way contract with you guys, Ford and Carhartt, and the second being the launch of what I think is a new personalized Apparel+ program on your website

if we are at something like trough unemployment or trough non-farm payroll growth and that reaccelerates, maybe helping us think to where you guys can go from here

I wanted to start with the comment about -- to refocus on this of the customer base being steady or if anything, improving slightly. When you guys make that call out, like what are you actually loo...

if you could just talk about your investments in innovation in the Scores business and how that sort of benefits the franchise

were there any prior year pricing adjustments have feathered into the present fiscal year

Can you maybe provide a comment on what platform features, functions, use cases are really driving that recent momentum

Can you maybe pivot that conversation to prepayments? And do you have a view on will 10T be more predictive on prepayments than rival Scores?

how much of the improvement that you've seen to the degree that there is any, is really industry-wide versus FICO innovation led?

your guidance that you don't expect any loss of market share or any significant volume changes in auto, card and personal loan originations

Can you sort of give us a sense of how many scores are being generated on an annualized basis now and where you've seen particularly strong adoption in volumes

outside of mortgage price, are there any new revenue streams that you would call out?

Can you highlight for us just sort of where you feel you were positioned in today's ecosystem, where you're advantaged

Can you walk us through your assumptions around what acquisitions were included in the prior guidance versus now?

Could you elaborate as to what organic ACV growth was in the fourth quarter in MI?