Darren Peller

“Just maybe when we look at VAS, and again, I know there were some one-time or near-term items, but the overall strength is consistent. And so maybe just touch again on the key drivers, honing in a little bit on cyber and what you're seeing there.”

“You called out profitability declines within the cross-border payments as a flow through from revenue and incremental investment in digital. Obviously, digital transactions were strong and 34%.”

“Just a quick two-part on investments in general. First, for Enrique, on M&A, just if you can give us an update again, you touched on it earlier, but your appetite for M&A in terms of size, timing, and type, what you're seeing.”

“Just to follow up for one more minute on Nim, I mean, when you think about fourth quarter, if you could just give us a sense of how to frame some of the puts and takes, the loan yield and funding costs.”

“And congrats on the OpenAI and the dividend announcements. I just want to touch on the exit growth rate of the year for a minute. I know you're guiding 2% to 5% for transaction margin growth.”