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

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

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?

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?

Hi, guys. I want to jump into the active ETF business. It seems like, from our data, there was some pickup in active ETFs more broadly, and they seem to be doing pretty well as a category.

First of all, Baer, congratulations on your retirement. And yes, congratulations again.

I just want to touch briefly on the non-ETF and the fixed income businesses. On the non-ETF side, there's been pretty rapid growth in the ETF revenues, I think, about 19% year-to-date.

Hey, everybody. Maybe you could just help us puzzle in the various moving pieces here and understand a bit more, especially with Henry's comments to lead off the call.

Hi, everybody. Baer, Andy, could you potentially comment on how AUM has trended in the non-ETF part of your business overall? I saw that was at some pretty healthy growth in the quarter.

Yes. Hi, there's a lot of discussion on today's call about product innovation and product rollouts and your products, but maybe on the inorganic side, how do you assess the M&A opportunity

Yes. Hi everybody. Just to go back to the sort of the overall discussion of the trends in the subscription business as it stands, organic subscription run rate growth of 8% in the quarter,

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