PresentationTimothy ChiodoUBS Investment Bank, Research Division All right. Good afternoon, everyone. Thank you for joining us here. We are in the afternoon session of the Tuesday session of our Arizona UBS Global Technology and AI Conference. We're really fortunate to have with us today the CFO of Western Union, Matthew Cagwin. Matt is also joined here by Tom Hadley, who is Head of Corporate Development and Investor Relations. So the first thing we want to do is make sure we say a special thanks to both ...