Andrew Schmidt

“I just want to dig into the FY27 core revenue outlook for a moment. I think it's 11 to 14, just how you're reporting today. But I think you called out two points from S&E Dynamics, one point from the bank channel.”

“Maybe just ask about just technology strategy within the banking segment. So you have the obviously emphasis on the core and the digital surrounds, But there's been a renewed focus on hollowing out the core.”

“But I wanted to just clarify the comment on gross margin, the 65%. Is that now an exit rate versus a full year rate? I just want to be clear in terms of the 65% target.”

“I just want to ask about value-add services growth. Chris, I think you did a great job sort of illustrating the durability of the growth drivers beyond just the marketing services.”

“Maybe you could talk about just how win rates are trending across the business. I know it's early, but obviously we have the assumption embedded in ACV that, you know, win rates are going to be lower versus what you realize in FY26.”