Third, in the services portion of our business, we are working through a number of very complex core system modernization programs. A handful of these are fixed bid arrangements where changes in the project plan can impact the timing of services revenue. A couple of programs had an adverse impact on services revenue in the quarter vis-Ã -vis our forecast by approximately $4 million. As I mentioned previously, we had two Guidewire lead programs where project replanning resulted in an adjustment to the time l ...