Bryan Keane

should we be hopeful that discretionary spend comes back, you know, in the turn in the calendar year?

can that number get up to 70 or 80%? And just a little bit of how that pricing works with productivity, how do you pass on some savings and keep it yourselves?

thinking about how budgets were set and how conversations may be changed from January, February to March

It implies fourth quarter revenue range looks a little wider than usual and maybe a couple of points lower than the third quarter

Banking & Capital Markets was a little bit softer, but some other areas of strength and just trying to figure out where that is in the industry right now

Would we be on the lower end of the range more just given the trends or not necessarily

Do we get that 50 basis points back into fiscal year 2026 and then the overall kind of margin profile

I want to ask what percentage of bookings come from international

what is the pricing environment, what kind of pricing yield do you think you'll be able to get in the key new selling season

how do the economics exactly work between the two companies? Is it a percentage of sales as a one-time fee? Is it a recurring fee

How do we think about the rest of the year to hit the guidance maybe sequentially? How should we think about the head count cadence and the revenue per head?

How does that -- how are you going to recognize revenues in that contract in that partnership?

is there any AI pressure as a result of some of the productivity and pricing that gets passed on to the consumer?

any comments on revenue per head on what that might look like going forward

What does that mean for headcount growth going forward in this model and maybe even revenue per head going forward

going from 1% organic growth in the fourth quarter to mid-single digits we get a lift from enterprise, but do we also get any lift from SMB and processing

I wanted to ask about the 33 signings in the FI in the financial institution side. I guess what's happening in the market that's driving that number higher

Happy to see the accelerated repurchase plan of $500 million. So trying to get a sense of what that means for share buyback for the rest of this year and into 2027

they talked about short-term revenues that were unsustainable and driving higher revenues and margins. Is that something that's common practice in the industry?

you talked about you know, levers and mitigation efforts that you guys use. Could you just talk a little bit about some of the things that you could do

Michael, maybe you can help us understand how Mastercard maybe can take share in agentic commerce given your position and versus competition

we actually increased a point to 17% in the first quarter, despite a little bit of a volume slowdown

The 12% revenue growth you called out for Q4, I think that is a point below the Street. Yeah. But it sounds like some timing—maybe there was a slight benefit, some of the stuff you just talked abou...

Was hoping you guys could just talk a little bit about the strength of PEO insurance. It jumped above the range at 9%. Can you talk a little bit about some of the drivers and some of the sustainabi...

Just to follow-up on Paycor, is it still a low double-digit grower? Or should we be modeling more in this eight to 9% growth territory for this fiscal year?

the smaller deal sizes, the less attachment and then the softer rates in HR, are those all macro driven, or is anything fundamental happening there, competition, causing some of that softness?

The additional cost synergies, exactly where might those be coming from? Which is giving you some confidence to now talk about some accretion and curious about how much accretion now for fiscal yea...

Any pickup yet or any signs of growth that you'll see for kind of new business starts or the development of new business starts?

you called out kind of the mid-market HCM business with strong sales activity. Anything in particular causing that?

how aggressive will you guys be in sunsetting platforms, enforcing them onto the new technology in order to help reduce friction

can you help us quantify the impact of Ramadan in the Middle East

Just thinking about holiday sales growth rate this year versus last, there's some expectation

ask about the entertainment weakness where you saw that exactly, and do you expect that to continue going forward

I just want to ask about X Money. How long does a project like that take for you guys to implement with X?

what Neighborhoods is going to mean for both Cash App and seller as this continues to grow and take hold

the guidance for '26 today is above what was outlined at the Analyst Day. What does that mean for the 2028 targets

I'd love to get your thoughts there

I wanted to ask about the strength in Afterpay in the quarter what you saw there