Question-and-Answer SessionAndrew SteinermanJPMorgan Chase & Co, Research Division It's always a really good discussion. And don't worry, everybody, we will get to discussions about AI. I just thought we'd ask some questions beforehand. So when you look at just this year in terms of issuance and ratings revenues, your expectations were more modest at the beginning of the year and have been more robust as the year has gone forward. What's driven that kind of upside to issuance relative to initial expectation ...