...I'm Katie Perry and this is After Earnings, the show brought to you by Morning Brew and Stakeholder Labs. We talk to the public company executives that you want to hear from. Today, we have a buy now, pay later, that's BNPL, juggernaut with us. Affirm is back on the show. We're joined by Michael Linford. They're coming off a solid Q4 earnings report where they reported 48% year-over-year revenue growth. They also showed some progress on their path to profitability. So today, we're welcoming Michael Linford. He is the newly appointed COO and CFO of Affirm, formerly was just CFO. And he is taking your burning questions. That's right, we have shareholder questions authenticated through Say and Stakeholder Labs. We're working those into the conversation. So stay tuned to see if your question gets answered. With that, let's talk to Michael. Michael Linford welcome back to After Earnings. How have you been? Michael Linford ...