Darrin Peller

how do you think about your visibility and confidence in the remainder of this year and even the next 12 months

can you just touch on your headcount growth expectations? And maybe just higher level, your headcount strategy, has there been any change in linearity

What should we expect from headcount? Your headcount strategy for the remainder of the year?

what does the revenue opportunity look like at a client that has done all of the digital core work required

It's good to hear from what it sounds like the pace of procurement change has calmed down a bit from the government side

can you give us a sense of what you're looking at going forward

where the priorities are from a budget standpoint from your customers at this point?

just help us understand what you're seeing in terms of the most transformational contracts right now

Has there been an acceleration in the momentum or is it the same as it was the last couple of quarters?

we've heard a lot of customers are starting to think about a little bit even more onshore. And so just maybe talk a little bit more about the mix again

do you still anticipate that kind of visibility at that part of the year? Or we could get a better picture on whether discretionary is really going to pick up or not

our checks are indicating in general across AI and agentic, if there's been more fraud on some of these transactions

maybe you could just explain a little more on the rate of growth we saw this past quarter

what would we have to see for the fleet market to actually see same-store sales break out of the 0% to 1% type range

if you could provide a little more color on the cadence of the accretion contribution

maybe just touch on sustainability, especially of The U.S. Fleet acceleration and what's needed to maybe push same-store sales meaningfully higher

can you just give us a quick update on the progress and any details you can provide about the interest level and some of the divestitures

Just touch a little bit more on the sustainability of that just because it obviously is good to see

the contribution of the enterprise domestic payables client to the Corporate Payments segment, was there anything there?

help us understand what underpins the acceleration that you're anticipating into the second half? And just to hit on whether it contemplates the BP portfolio

is there any implication about limiting margin expansion? Maybe just give us a little color on what you're expecting for EBITDA margins over the next year

in terms of having the right mix of assets, Ron, number one, are you where you want to be? And then, number two, maybe just give us a little more granularity

when I look at the guide of 2.5% to 3.5% constant currency for fourth quarter, just what are the puts and takes there

just discuss the competitive dynamics for some of the large deals you're seeing and what's allowing you guys to continue winning them

just help us understand where you stand there as well as any elements of wage inflation or any changes in the environment

other than the financial services discretionary tailwind you're starting to see, which is good to hear, is this associated with just large deals

do you think you're at the end of your repositioning geographically

how much of your business that sequentially incremental revenue we're seeing is coming from these existing clients

where are we in terms of size of average engagement on AI deals now? And just maybe a little more color on how that's trended

maybe just a little bit more color on your overall headcount strategy for this year, where you're really sourcing talent from on a relative basis

I think you've seen somewhere around 400 basis points or 500 basis points improvement or increase in fixed contract percent

maybe a bit more color on your hiring plans for the year, geographies you plan to hire, any maybe specific skill sets

if you could just give us a little more on the building blocks

help us understand how you're going to think about segmenting out what, I guess, will be some restructuring charges

Banking trends on the recurring side continue to look pretty strong. So maybe help us understand, number one, what the key drivers are

a little bit more around the tuck-in, I think you mentioned just -- I don't know if there's anything you could help us with sizing

the specific types of contracts and revenue that you're seeing demand for in the banking side

Can you just remind us of the moving parts on the free cash conversion side from the trend line of what occurred

can you just touch on whether you believe the review you've taken in the business has really accomplished everything you need

I just want to understand a little bit more in detail what changed specifically in the Financial Solutions segment from last couple of quarters

if you could just remind us some of the trends we're seeing and maybe a little bit more quantification of what we'd expect volume growth to look like for Clover

when you look at the trend line into next year, even against tough comps, Just remind us of what you expect the more nuanced building blocks that can keep that afloat

You highlighted some notable wins, including Subway and Abercrombie, among others. So what do you see driving those wins?

the trajectory of the synergies you're expecting as the year progresses? And then maybe a little bit more color on what you're incorporating into the guide around synergies

when we would start to see that play out in volume growth? I know it's early now in some of these initiatives, but your 5% growth rate

I think you said 90% of core payment sellers have now converted to the new plan, and there's been a lot more productivity

I'm just curious if that's about right? And what was that from?

your early evidence of the progress you're seeing on some of the initiatives you're making. I know you touched on the time line you expect on Genius

Do you think you have enough pillars for that business to sustain 7% to 8% in the next couple of years again

what did cause it to really kick in a few quarters ago already

is your confidence growing into fiscal '27 even that we can get back to that 7% to 8% again

how we should think about the near-term versus long-term revenue cadence around some of those

have you noticed any changes more recently in the last, let's call it, 6 months or 12 months? And do you -- or are you hearing rumblings of more change to come

Do you see those being enough to spool up so that by the end of the fiscal year, you basically have 50 bps maybe plus that could have replaced what you -- some of the headwinds are impacting this year

what's the demand environment like for the core business, the key areas

is this an environment that you'd say is big enough of a change in consolidation levels

Are you seeing that inflection in demand really pick up pace for your value-added services and offerings around cyber

Maybe just give us a just remind us the puts and takes of your progresses

just maybe revisit the underlying drivers that you're seeing really support that kind of sustainability. And if those are going to be sustainable throughout the year ahead of us

when considering what you think stands out, and then sort of as an add-on to that, the pricing dynamic

Can we just touch for a minute on pricing? I know you talked about tough comps into the second half on pricing

what are you expecting more specifically around your value-added services in the year ahead of us that we're in right now

we're exiting the year at a 16% constant currency growth. Obviously, Discover could be a factor

It sounds like there was a deficiency relative to the merchant side of the network to being focused on this consumer side

which assets you actually absolutely feel like you must keep as part of the go-forward entity

Maybe just a quick clarification in terms of the timeline you'd expect some of these investments to help come to fruition

I know you're guiding 2% to 5% for transaction margin growth. Maybe the puts and takes of what that could compare when you think about trending into 2026

Can we touch on how the European rollout of the modern checkout initiatives are coming along now

if you could help us with assumptions on the macro front of what you're embedding in your outlook, especially around cross-border and China

I'm just curious when those initiatives you think would have a more material impact. Or are they embedded in your outlook

how much of the VAS strength is driven by the World Cup versus sustainable drivers

what you're seeing strength and that's actually it seems like it's offsetting the lower than expected FX volatility

help us understand what that can mean for product development or velocity and how it positions the network

the pricing dynamic that we're seeing in data processing? And the spread between growth on revenue and volume

if you can explain a little more. I know the -- that corridor and mix on corridor could be a factor

the moving parts on some of your easier lapping given that there were some business as you talked about

not only for the beat in the quarter, but also by more than the beat on both gross profit and operating income

if you could just touch on what you think drives sustainable momentum across both the businesses and especially in light of the reduced headcount levels

even when we back out the growth contribution from Cash App Borrow, I mean, we're calculating an acceleration

I saw 8 million banking actives you define as either 1 of the 2.5 million or 2.7 million direct deposit users

maybe you can just give us a little bit more color on what changed over the past 90 days

the spread between GPV growth and the gross profit growth now. Just if you could help us understand a little bit of the dynamics there