George Tong

Can you remind us how the average price for new memberships changed during the quarter? And how you're thinking about the broader pricing strategy

Can you talk about how you're thinking about investment spend for this year in light of the work that the capital allocation committee

can you talk a little bit about what the overall selling environment is like, including how sales cycles are performing and how client sentiment is trending

Can you talk a little bit about how pricing trends are performing this quarter compared to the past quarters

Can you talk a little bit about how customer purchasing behaviors in sales cycles are changing given the currently evolving macro environment

are you -- would you say you're still in the very early innings of what you hope to achieve with efficiencies or are you towards the middle

Can you talk more about what you're seeing with customer sentiment and customer purchasing behaviors and how they've evolved over the course of the quarter

Your pricing Vantage mortgage priced at $4.50 a score.

Okay. Got it. And I believe Experian strategy is they're offering it for free, but if they choose to monetize it, then t

Very helpful. Thank you.

Hi, thanks. Good morning. Given the variability in state-level funding, are you considering any alternative pricing stra

You talked about the performance of cards, P loans and auto volumes in 1Q.

Okay. Got it. And then in your long-term growth framework that you provided, are you assuming a return of mortgage volum

Hi. Thanks. Good morning. With respect to your margin outlook, can you elaborate on key drivers you have internally that

Yes, makes a lot of sense. And then with respect to your cloud transformation savings, any color you could provide on th

You talked about introducing new pricing and product packaging initiatives. Can you elaborate on this a bit more? What year-over-year price performance was in the U.S.?

You talked about leaning into product initiatives like ingesting data better, modernizing your tech platform, and driving service team efficiencies. At the same time, you're investing in the sales ...

Can you elaborate on the pricing environment more broadly in the international regions and if you're seeing any competitive changes that might also be affecting your pricing there?

can you talk a little bit more about changes you’re seeing with buy-side budgets and broader sales cycles, especially among large asset managers and asset owners?

on a relative basis, can you talk about which you expect to show the most improvement going into the second half of the year

Are there other implementation hurdles they have to overcome among the top 3 resellers that have signed up so far?

can you elaborate on what assumptions are baked into your full year guide with respect to VantageScore adoption

do you get the sense that a move from tri-merge and bi-merge is gaining traction?

can you talk about where you are in the investment cycle? How far along are you in the platform build-out? And when should we expect the investments to normalize?

whether they may raise their fees to match with the credit bureaus charge? What are some of the conversations with these resellers suggested

how much of a priority is it to drive industry migration to FICO 10 T, which could be facilitated by the release of historical benchmarking data

FICO Platform ARR growth, it accelerated a bit to 18% in the quarter. Can you elaborate on some of the trends that you're seeing there with respect to client adoption

whether you've seen any changes in credit origination volumes through April, given all the macro uncertainty out there

how much visibility you have into reacceleration in platform growth? And will it take macro conditions improving to drive the growth to be accelerate

With your card and personal loan revenues, they were down 3% year-over-year in the quarter. Can you talk about some of the trends

Can you talk more about some of the key catalysts that can drive higher usage levels?

can you talk about how you expect the Trump presidency to impact FICO's operations?

Can you discuss how you're thinking about prices for non-mortgage scores in 2025?

In your ALM business, revenue grew 56% organically in the fourth quarter. Can you talk about how much of that growth came from volumes versus pricing

Can you talk more about the planned phasing of revenues, including whether the contract will ramp linearly across 5 years or whether it will be front-end loaded into 2026?

Can you elaborate on what you're seeing in the Data Center business that's causing the slowdown?

Has there been any place within your business where you've seen any changes in demand in data centers from any part of your customer set?

Can you elaborate on how organic growth in the ALM business in 4Q was split between volumes and component prices

can you outline how much of the slower growth is due to tariff affected industries, government spending, the macro environment and other potential unnamed factors

do you expect the improvement to be relatively linear from 1Q

could you give some details on how tech vendors performed

I want to see if you can elaborate on what your expectations are for how the trajectory of CV improves

Is there any way you can provide some sort of spread between how much of that impact is in GTS? How much of that impact is in GBS

Can you talk a little bit more about how new purchases among these government clients are performing? Have they come to a full standstill

Would you say that those trends are holding up better than what you're seeing with federal contract renewals

Can you elaborate on how much of this reflects updated views on federal contract renewals versus updated views on other customer segments

Can you talk about some of the top internal or external swing factors that you're watching that could affect how NCVI comes in

Can you talk about the phasing of this hiring? If it's going to be front-end loaded or back-end loaded or perhaps evenly distributed

Can you discuss how many customers are accessing Moody's data through these channels and what your plans are to monetize MCP distribution

How do you think your updated guidance on debt issuance by category will impact mix in the second half of the year

For these two sub segments of MA, can you talk about how sensitive they are to banking and asset manager trends

how are you thinking about growth by subsegments? So decision solutions, research and insights, and data and information

are there certain indicators or metrics that you can use to track how one-time revenue performance is performing?

You talk about what you expect for one-time revenues for the rest of the year? And how that will be supportive of your overall 7% to 8% organic revenue growth outlook?

Were there any parts of the business that perhaps surprised to the downside compared to what you were expecting heading into the quarter?

can you discuss which segments have the most opportunity for organic growth acceleration in 4Q and what the primary drivers are?

what were some other factors that may have contributed to this growth moderation in residential and termite?

can you confirm what the commercial and residential mix is?

Can you detail how much auto claims activity impacted EBITDA margins in the quarter?

Can you talk a bit about how you expect this competitive development to impact S&P's business?

As you increasingly include AI functionalities into your products and drive product upgrade cycles, how do you see your pricing increases trending going forward?

Can you talk about how much lapping cancellations will benefit growth in the second half, quantify that, if you can

Can you talk a little bit more about what you're seeing with pipeline performance and sales cycles

Can you elaborate on what you're seeing in the business and external environment that should drive accelerating MI growth over the course of the year

do you have plans for accelerated pricing increases, for example, in your multiyear contracts?

Are you seeing different adoption curves for AI tools between large enterprise clients versus mid-market or smaller firms

Can you talk about what secular trends you're seeing that's fueling that kind of growth that allows Tax & Accounting to surpass all the other segments

Can you broadly talk about your strategy of GenAI monetization if you're deploying different strategies across different segments

Can you talk about the sustainability of that growth trajectory and what you think are the top tailwinds

can you just elaborate on some of the traction you're seeing with that acceleration? I know with rounding and reporting, it's difficult to see

You mentioned expectations of gradual improvement in organic revenue growth moving through the year

For your guidance for 2026 EBITDA margins, it looks like you are

Can you clarify how much of the guide reduction was due to the removal of the deal versus other factors like maybe extreme weather coming in lighter than expected?

Can you talk about to what extent you expect international and securitization trends to continue into the second half?

Can you talk about what proportion of your broader business you've begun to accelerate your pricing increases? And how long it may take to close the gap between pricing and value provided

Transaction revenue in the quarter benefited from elevated storm activity. Can you talk about how much of a benefit you saw from storms in the quarter and how much of a benefit you expect in 2025?