Matt O'Neill

Good morning. Thanks for squeezing me in. Most of my questions are asked and answered, but I thought I would ask one.

Appreciate the rundown. And yes, I meant Talent.

Thank you for taking my question. Most have been asked and answered here.

Just if there was anything to note on how that's flowing through in the market, or if it's been fairly received as expec

Yes, hi. Thank you so much for taking my question. Just curious, going back to the talent and labor area, any incrementa

There's a little bit of a delta there. Obviously, I know you're not guiding to consensus. Just curious how you think about the opportunities to outperform in the last fiscal quarter

would you be willing to give us the numbers around the onetime license renewal just for modeling purposes going forward

just around sort of strategic priorities, but recognize that FICO World is next week. So, whatever you may be willing to preview

give us a little bit more of a view on the longer-term integration of Buy Now Pay Later into the FICO modeling

where that stands as far as the experimentation that continues, as well as I believe there's some further experimentation going on with volume-based pricing?

if you guys could elaborate on any changes that you've seen in the car market from the time of the Investor Day

On the car improvements in the gross loss ratio to 83%, is there anything particular to call out there?

a stable coin transaction versus a local currency transaction from an economic contribution standpoint

give us the high-level unit economic top-of-the house view? Are these transactions kind of accretive, dilutive?

I just wanted to drill in and hear some early observations, particularly around the rollout of new hardware