Question-and-Answer SessionAlexander EM HessJPMorgan Chase & Co, Research Division We miss him indeed. All right. So we'll kick this off with a high-level question. Equifax just hosted an Investor Day and the core thrust was after spending a number of years and I believe around $3 billion building the Equifax Cloud, the company now sees the opportunity to play offense with I think what you called a durable competitive advantage. So can you unpack for investors why now is a great time to get excited about th ...