Question-and-Answer SessionWilliam NanceGoldman Sachs Group, Inc., Research Division Okay. So look, just to kick things off, the last 4 to 5 years have been a bit of a journey. You have continued to grow the customer base very consistently across both the accounts payable and the spend and expense side of the business. ARPU dynamics have been much more choppy. And I would say that's largely due to the macro dynamic we've seen spending pullbacks across the customer base as well as some of the monetization tr ...