Craig Hettenbach

“I cover the providers for Morgan Stanley. Just before we get started, for disclosures, you can go to the Morgan Stanley website, www.morgansanley.com backslash research disclosures.”

“And then just to follow up to Brian, you talked about just some operating efficiencies. Can you just touch on some of the key drivers there and maybe expand on ways you're using technology to help expand margins over time?”

“On the push to drive AI adoption, anything unique on the HRS side in terms of starting there and then the rough timing of when you'd expect to see that on the HEM side as well?”

“Dave, understanding you're coming up on more difficult comps on productivity, what are some of the levers that remain to pull on that front as you go forward?”

“Just following up on kind of the year of AI investment as you guys lean in here, and you've talked previously in terms of, you know, a little bit of a mismatch where you're investing in the AI search will come.”