Question-and-Answer SessionWilliam NanceGoldman Sachs Group, Inc., Research Division All right. So been a lot of talk about buy now, pay later recently. I wanted to kick it off with a bigger picture question on Affirm. You've scaled Affirm into a profitable U.S. consumer platform. You're putting up north of 30% growth. Merchants and consumers alike seem to be engaging with the product at an increasing rate, so higher transaction frequency with consumers, more merchant-sponsored offers to your customers. And ...