John Davis

maybe just talk about the drivers that give you confidence in that organic growth outlook for the fourth quarter, specifically in Corporate Payments

Maybe just talk about what gives you confidence? And what, if any, of that organic growth outlook next year comes from synergies from Paymerang

should we expect more buybacks given kind of you do have some balance sheet flexibility, but you are also integrating a couple of acquisitions

Just wanted to drill in a little bit to 2Q guide for capital markets, a little bit of a de-sell

can you help us, what percentage of that banking segment will now be the combined debit issuing business

good to see the $1.2 billion, but I thought it might be a little bit bigger given the lack of M&A last year

is maybe there a little bit more conservatism given a little bit more uncertainty coming into this year

now that Banno is product parity plus Tap2Local, rapid transfers, where are we in kind of selling that outside the base

How should we think about the margin implication of kind of the nonstrategic revenue runoff? Is this lower-margin business

how do we think about number versus assets? And like what really matters, is kind of dollars of revenue contracted

is that more four Q weighted or any color that you can give us there on the cadence of the back

talk a little bit about the pricing dynamics. You know, on one hand, you usually get, you know, they get better price as they grow

you called out 20% increase in Banno users year-over-year. Is Banno for business, a meaningful contributor to that

margins only guide implies margins will be up somewhere close to 100 basis points in the back half of the year