...Good morning. Thanks, everyone, for joining. This is the Flywire session as part of the J.P. Morgan Ultimate Services Investor Conference. My name is Tien-Tsin Huang. I cover the payment sector and very grateful to have Mike Massaro, the CEO of Flywire, join us for the first time as a public company. We've had Mike before at some of our other events on the private side, including in Boston, right, Mike, with the tech conference. So -- and I'm really, really grateful again to see you here in the public side. So like the other sessions, we'll do a fireside chat. We'll take questions from the Ask a Question button. So feel free to hit that, and I'll be tuning into that as best I can throughout the session, but I've gathered a lot of questions from the investor community and hopefully get through all of that. So, Mike, great to see you. Thanks for doing this. Michael Massaro ...
