Thank you, and good afternoon, everyone. Today, we are discussing Green Dot's second quarter 2025 financial and operating results. Following our remarks, we'll open the call for your questions. Our most recent earnings release that accompanies this call and webcast can be found at ir.greendot.com. As a reminder, our comments may include forward-looking statements and expectations regarding future results and performance. Please refer to the cautionary language in the earnings release and in Green Dot's filings with the Securities and Exchange Commission, including our most recent Form 10-K and 10-Q for additional information concerning factors that could cause actual results to differ materially from the forward-looking statements. During the call, we will refer to our financial measures that do not conform with generally accepted accounting principles. For the sake of clarity, unless otherwise noted, all numbers we talk about today will be on a non-GAAP basis. Information may be calculated differently than similar non-GAAP data presented by other companies. Quantitative reconciliation of our non-GAAP financial information to the directly comparable GAAP financial information appears in today's press release. The content of this call is the property of the Green Dot Corporation and is subject to copyright protection. Now I'd like to turn the call over to Bill.

Good afternoon, and thank you for joining our second quarter 2025 earnings call. Today, I will start with some comments on the quarter and then turn it over to Chris for an update on our business development and go-to-market efforts. Jess will then discuss our financials in more detail, and I will conclude with some final comments and observations before taking your questions. Now let's turn to the quarter. It was a strong second quarter with results continuing to outpace our expectations. Adjusted revenue was up 24% and adjusted EBITDA was up 34%, both ahead of plan, which Jess will provide more detail on shortly. The team remained focused on strengthening our revenue engine by signing and launching new partners in the quarter, driving scale and savings in our operations, and investing in our infrastructure to support customers and partners while ensuring that we can manage sustainable long-term growth across the enterprise. Our embedded finance platform, ARC, is seeing continued momentum and increasing demand. During the quarter, we launched new products, including Samsung's tap to Transfer feature, which has generated impressive engagement to date. We made progress preparing to launch other new partners like crypto.com, Dolefintech, and more. We continued building a strong and healthy pipeline to fuel future scalable growth. I am also pleased to touch on the improvements we're making to transform our bank and balance sheet into profit generators. We repositioned a portion of the balance sheet earlier this year and intend to make additional changes in the coming months to further improve yields and overall profitability. To expand on this a little further, over the last few years, our balance sheet strategy was focused mostly on managing risk and liquidity as we work to improve our operating infrastructure in areas like compliance and risk management, areas critical to the stability and success of our business. We are pleased to report we are making progress addressing operational challenges and vastly improving our risk and compliance functions. Without losing sight of these needs, we have also been able to turn attention towards optimizing the profitability of our balance sheet while maintaining a conservative risk profile. Given the growth we are planning for in embedded finance, we expect to generate deposit growth and make those deposits work for us. As a sign, new partners, we're putting greater emphasis on structuring partnerships to prioritize and maximize the returns we earn from our balance sheet, not just the traditional fee revenue that we have historically focused on. Over the last couple of years, we have talked about our investments in compliance and risk as areas of competitive advantage, which we still believe to be true. Just as important, that competitive advantage will not only generate new partners but also balance sheet growth. With a focus on improved profitability of the balance sheet, I am confident we will earn an attractive return on the investments we made over the last several years. Now let me turn it over to Chris to provide an update on our business development and our go-to-market efforts. Chris?

Thank you, Bill, and good afternoon, everyone. As Bill mentioned, we are continuing the progress we made in the first quarter. The second quarter has been active with new business acquisitions and partner initiatives aimed at mutual growth. I want to highlight some significant developments during this quarter. We partnered with Samsung to launch the Tap to Transfer feature, which has already seen great engagement, and we're collaborating on future enhancements that we hope to announce soon. With Tap to Transfer, nearly 12 million U.S. users of Samsung Wallet can easily transfer funds to any digital wallet or contactless debit card by tapping two mobile devices together. Additionally, we have entered a new partnership with Credit Sesame, a prominent consumer brand focused on financial wellness, which could become a major BaaS partner once fully implemented. We're excited that Credit Sesame, a competitor we acquired, chose Green Dot to support its Sesame Cash smart digital banking service, aligning with its mission to improve consumers' financial lives. Moreover, we are preparing for the launch of several new partners that will help accelerate our growth through 2025 and into 2026. These include Crypto.com, which we announced last quarter, and a new a BaaS partner in the auto finance sector that we plan to introduce shortly. In our retail channel, we aim to launch a new banking account program across more than 5,500 Dole Fintech locations nationwide, capitalizing on our ongoing success in the financial service centers channel. The demand and momentum we are witnessing in embedded finance are further confirmed by our efforts this year, including new partners launched for BaaS and money processing. In 2025, we plan to bring on seven new partners, translating our business development efforts into new acquisitions, more onboardings, and increased revenue. In terms of money processing, we've signed several important new partners, allowing convenient account access and cash transactions at 90,000 locations nationwide. The Green Dot Network, supported by our ARC platform, continues to provide value to a growing number of partners and their customers. I would now like to address our strategy to expand and diversify our partnerships with new offerings. With over 7,000 existing partners across various sectors, we see substantial opportunities for cross-selling and are focused on enhancing engagement. I consider these opportunities from two angles: increasing partner participation across our operating divisions and enhancing functionalities within partner relationships. For example, a major retail pharmacy has just renewed a five-year contract to use our earned wage access capability, which also serves as a money processing partner in our network. We recognize the potential for deepening alliances across retail, BaaS, GDN, and even Rapid, which is a key priority for our embedded finance team consisting of BaaS and money processing. We have already begun to gain traction in this area. We are committed to nurturing relationships within targeted channels and enhancing the solutions we currently provide. For instance, with one recent BaaS launch, new product features were successfully added, leading to a revenue growth that exceeded original projections by 55%. Another example is our recent renewal with Walmart, where we're working to transition the Walmart MoneyCard program off our legacy platform, which will enhance user experience and enable more robust product development. Our revenue team has integrated early engagement with new partners, focusing on the next phase of products and features to enhance solutions, drive engagement, and increase revenue. Regarding our pipeline activity, we have already matched the amount of new business acquired this year compared to the entire year of 2024, with closing rates outpacing last year. As new partners are signed, we are also introducing attractive new prospects, maintaining strong risk-adjusted pipelines that bolster our confidence in the long-term stability of our business. We expect to sign a new franchise operator in our tax business, marking one of the biggest wins in several years, which will offset the decline in volumes from another significant partner and demonstrate the resilience of our pipeline growth and development initiatives. As we develop pipelines across our divisions, we are also examining how to realign our organization for sustainable long-term success. Recently, we made changes in the Rapid division to expedite earned wage access adoption and steer the division back to significant growth. We continuously seek ways to optimize and realign our resources in line with our growth strategy. In summary, we are building on our momentum as the market recognizes our capabilities as an embedded finance platform and valuable partner. We will continue to streamline our business to stimulate growth. Now I will hand it over to Jess to discuss our second-quarter results. Jess?

Thank you, Chris, and good afternoon, everyone. In the second quarter, our non-GAAP revenue grew 24% year-over-year and adjusted EBITDA increased 34%. Growth was primarily driven by our B2B segment and higher interest income alongside continued expense management efforts and some favorable timing factors. As a result of the strong performance, non-GAAP EPS reached $0.40 per share, representing a 60% year-over-year increase. Now let me touch on the factors that influence the performance of our segments. Refer to our press release and quarterly slide deck for segment results and key metrics. First up is our B2B segment, which is comprised of our BaaS channel, powered by our ARC platform and our rapid Employer Services division. Revenue growth of just under 40% continues to be driven by a significant BaaS partner, along with growth in the rest of the BaaS portfolio. Key operating metrics within the BaaS channel, such as active accounts and purchase volume, continue to show solid increases as we collaborate to drive growth with existing partners and launch new ones. As Chris mentioned, we are dedicated to helping partners expand their programs and identify opportunities to broaden the range of products and services offered to their customers. We are seeing notable progress in these efforts. And as we launch new partners, we are heavily engaged with them on this front. Based upon the success we are experiencing with existing partners, coupled with a pipeline of new launches and prospects, I'm optimistic that we will continue to see momentum in the BaaS channel. Our rapid Employer Services channel continued to experience revenue declines due to decreased active accounts and volumes, primarily because of challenges faced by our larger staffing industry partners. As previously discussed, the staffing industry, one of our largest verticals, has struggled for nearly 2 years and hasn't recovered. Although there is optimism about stabilization, we haven't seen a rebound. However, our year-to-date sales performance in PayCard outside of staffing verticals has been strong compared to last year, positioning us for growth once the staffing sector stabilizes and recovers. We have a new leader in this business, and she is currently rightsizing sales and support personnel to refine the approach to the traditional pay card market while shifting resources to place a greater emphasis on earned wage access or EWA to ensure that we capitalize on that market, which is a logical extension to our current PayCard offering. Overall, the B2B segment experienced approximately 45 basis points of margin expansion due to improved profitability in rapid Employer Services, while BaaS margins were generally flat with last year. The improvement was driven by overcoming deconversion headwinds, achieving revenue growth in the BaaS channel, renewals of key partners in 2024 that provide for improved economics, and focusing on efficiency and scale. Notably, we significantly reduced transaction losses, fraud management expenses, and costs in our customer care operations in the Rapid Employer Services division, resulting in profit growth for that operation despite the decline in revenue. Although we usually discuss the Corporate segment last, I want to highlight our bank interest income growth. As Bill mentioned, optimizing our balance sheet and increasing interest income has become a key operational strategy. This year, we have already repositioned a portion of our securities portfolio and plan to invest more of our cash in the coming months. By improving our asset mix and growing deposits in our BaaS business, interest income should become a more prominent part of the story. In Q2, corporate segment revenues consisting primarily of interest income, net of partner interest sharing grew year-over-year due to rate cuts in the second half of last year that improved the balance between yields on our cash and investments and interest shared with partners as well as an improved yield from our bond repositioning. This top-line growth comes with little to no incremental costs. Expenses in the Corporate segment were up modestly due to some increases in technology-related costs as well as modestly higher bonus accruals with our improved earnings performance. Next is our Money Movement segment, which includes our tax processing business and our money processing business. The tax business outperformed our expectations in the second quarter as we continue to benefit from the expansion of our taxpayer advance programs and a favorable mix shift in distribution channels that resulted in higher revenue per transaction. Year-to-date, refund transfer volumes declined year-over-year, mainly due to reduced activity from a major partner in our online channel. Since our online channel generates lower revenue per transaction, this decline has been offset by higher volume from our professional channel, which is more profitable on a per transaction basis. For the first half of the year, profits from this division are up over 10% versus last year, and we are confident that the tax business will exceed our original expectations for the year. We are working on building out numerous new products and services and adding new partnerships that broaden our product set for the 2026 tax season to help build on the momentum in 2025. Revenue in our money processing business, driven mainly by cash transfer volumes on the Green Dot Network, declined modestly this quarter, primarily due to an 8% decrease in transactions, driven by softness in both our consumer segment active base and third-party programs. While active accounts in our Consumer segment have continued to stabilize because of the ramp in new financial service center partners, these programs, at least for the time being, generate fewer reloads per active account than our branded programs in retail, which continue to experience consistent mid-teen percentage declines. Third-party cash transfers were down 2% year-over-year, largely because of lower volume from 2 partners whose activity yields lower revenue per transaction. If we exclude those 2 partners, third-party transactions actually grew by 5%. This shift away from low revenue transactions led to an 8% increase in our average revenue per transaction compared to last year, helping to partially offset the overall revenue impact from lower transaction volume. With money processing operations more closely integrated with the BaaS business under the Arq brand, we expect to keep a healthy and active pipeline of potential partners. This, together with recent launches of new cash transfer and digital disbursement partnerships, including Samsung, a solid schedule of additional launches anticipated throughout the balance of 2025 and continued improvement in our consumer business gives us confidence that we are well positioned to continue building on our momentum from previous quarters. Profitability in the segment remains strong with margins up approximately 45 basis points. Margin improvement in money processing, due in part to favorable mix shift, offset some slight declines in our tax business, which had outsized margin gains a year ago. Now I'll turn to our Consumer Services segment, which is comprised of our retail and direct channels. While the Consumer segment remains under pressure due to secular headwinds in the retail channel, segment revenue and active account declines continue to moderate relative to prior years. This improvement is largely due to our partnership with PLS and efforts to enhance customer experience, functionality, and retention. The PLS partnership has positively impacted the retail channel with active accounts flat with last year. Additionally, key metrics like GDV and revenue per active account in retail were up 4% and 2%, respectively, when compared to the second quarter of last year. Given our ongoing efforts to enhance customer retention, the upcoming launch of Dole Fintech, and the renewal of key agreements with Walmart, I'm optimistic that the decline in retail will continue to level off. The decrease in active accounts continues to stabilize, and I'm confident in our strategy to strengthen customer engagement through new products and features. Additionally, by expanding into new markets, such as the FSC channel, we anticipate onboarding new partners and increasing our market share. Our efforts to reposition the direct channel continue. Due to reduced marketing spend over the last year, revenue has remained under pressure. We remain focused on developing a more robust product and enhancing the customer interface to drive improved customer acquisition and retention. While second quarter revenue decreased, direct channel margins improved by 200 basis points, resulting in only a modest decline in profits, consistent with our commitment to balancing investment in growth with profitability. We are progressing with platform feature enhancements and user experience improvements, while new smaller channel partnerships present incremental growth opportunities and support our goal to return this division to positive revenue growth. Overall, segment margins were flat to last year as lower retail margins were balanced by increases in the direct channel. The direct channel experienced improved margins primarily due to operating expense management, including notable reductions in transaction and fraud management expenses compared to last year. Before I discuss guidance, I want to briefly comment on our GAAP results this quarter. As I mentioned on our prior call, we renewed several key contracts with Walmart. In connection with these renewals, our Tailfin joint venture made a $70 million incentive payment to a Walmart affiliate during Q2, resulting in a $70 million noncash charge recorded as equity and losses in the quarter. This payment did not require any incremental cash flow from us. Our partnership with Walmart continues to provide strong economic returns. Tailfin remains well capitalized, and we are optimistic about the opportunity to work with Walmart for the next 7 years. Now let me provide you with updated guidance for 2025. We performed better than our internal projections. While some of the benefits in the first half of the year are due to timing, I believe that certain aspects represent overperformance for the year. Provided the current volatility in the economy does not significantly impact customers' behavior or our business in general, we are adjusting guidance as follows: we expect non-GAAP revenue of $2 billion to $2.1 billion, consistent with our prior guidance. We expect adjusted EBITDA of $160 million to $170 million, up from the previous guidance of $150 million to $160 million, and non-GAAP EPS of $1.28 to $1.42 as compared to our prior guidance of $1.14 to $1.28. Our strong adjusted EBITDA growth in the first half was primarily driven by BaaS tax processing and increased interest income at Green Dot Bank. Looking ahead to the second half, we expect to continue to benefit from improved yields at Green Dot Bank. However, we're anticipating a year-over-year decline in adjusted EBITDA, mainly due to challenging prior year comparisons. Our corporate segment expenses are expected to increase year-over-year from higher bonus accruals after reducing them in 2024, a concentration of investments in our regulatory compliance and infrastructure in Q3 and Q4 that we had planned for earlier in the year, and we also intend to make investments to support new partner launches in our B2B and money movement segments. We are also lapping improvements in fraud management expenses last year and some lost high-margin revenue following the partner deconversions in retail that we've discussed on prior calls. All in, we expect consolidated revenue growth in Q3 to be in the mid-teens and mid- to upper single digits in Q4, while adjusted EBITDA margins down roughly 500 basis points for the reasons I highlighted a minute ago. Our segments are expected to play out as follows: B2B segment revenue is expected to moderate over the remaining quarters, but will still show strong growth with a full year expectation of growth in the low 30% range for 2025. I expect margins in our B2B segment to be down a bit versus 2024 due to revenue mix. Money Movement segment revenue is now expected to see flattish revenue growth. The strong performance of our tax business is being offset by declines in money processing as the ramp from new third-party partners is not enough to offset declines in transactions from Green Dot branded accounts. As I mentioned earlier, we have several new partners to launch in money processing and a robust pipeline of prospects, which drives my confidence in this business despite slightly lower expectations for the second half of the year. I expect margins for the Money Movement segment to be up versus last year, given the strength of the tax processing business, some favorable mix shift in money processing, and continued vigilance on expense across the division. Consumer segment revenue is projected to decline in the low double digits with a sharper drop in the fourth quarter due to discrete revenue items that benefited Q4 2024, such as breakage and project-based revenue. Excluding these noncore revenue decreases, we project recurring consumer segment revenue to be down in the mid-single digits, reflecting our progress in this part of our business. We don't expect our launch of Dole Fintech to have a material impact on 2025, but I anticipate that this launch and the likelihood of additional FSC signings to have a more pronounced impact in 2026. Overall, we expect Consumer segment margins to be down 450 to 500 basis points and at a level comparable to 2023. Excluding the benefits of the noncore revenue in 2024 that I just mentioned, I estimate that margins would be down approximately 200 to 250 basis points. In summary, I remain encouraged by our outlook for growth in the B2B segment, where we have a backlog of partners to launch in our BaaS business. The growth of BaaS will drive deposit growth, and we will continue to work to optimize the net yield of our balance sheet. While Rapid still faces headwinds, we have a new leader at the top of the organization who is aggressively rightsizing that business and putting more focus on EWA, where there is a large opportunity, and I'm confident we can see success. In the Money Movement segment, we still have several new partners to launch this year with a robust pipeline of business opportunities to drive the third-party business. This expectation reinforces my confidence that our investments in these areas are enabling us to capitalize on the vast opportunity within those markets. Though we still anticipate declines in our Consumer segment, we are preparing to launch Dole Fintech, which has approximately 5,500 locations, and we believe that we are likely to sign additional partners in the SSC channel, which should help moderate the overall decline of the channel. As a final note, we will be filing a shelf registration with the SEC to preserve financial flexibility and optionality. At this time, we have no plans to utilize the facility.

Thank you, Jess. It was a solid quarter, and we are pleased with the progress we are making as we sign, launch, and expand our partnerships, improve the profitability of our balance sheet and continue executing on our operational imperatives, including realigning our resources to support our core priorities and growth strategy. We launched Samsung during the quarter, are preparing to launch crypto.com and other recently signed BaaS partners, and we are optimistic about our opportunities in the financial services channel and the unique value proposition we offer. Just as important, those customers that we have worked with for many years continue to place their trust in us to help them deliver on their own aspirations for embedded finance, and we are thrilled that they recognize the value of partnering with us. Over the last several years, the company has undertaken numerous initiatives and made substantial investments to position Green Dot to return to sustainable, predictable growth. We have made investments to modernize our technology infrastructure, build a more robust platform of products and services, and bolstered our business development efforts with new and existing partners and a healthy pipeline. The organization is also focused on continuing to make investments to ensure our infrastructure can support the requirements of a growing customer base, including critical areas such as onboarding, customer care, and risk management. Green Dot is becoming a proactive, adaptive, and resilient organization. As partners come and go, our foundation continues to strengthen with more partners, a stronger pipeline, and a more powerful and efficient platform, making us less susceptible and more resilient to market dynamics and partner decisions and circumstances. Over the last several years, we have become a more proactive, decisive company and have ensured that we have a better lens into our operations, our partners, and our customers, enabling us to adapt as needed with a higher probability of success. As one partner sees declining volumes, we effectively replace and continue growing revenues through other partners. We were in a very different position just a few years ago, and I commend the team for their work to get us here and look forward to continuing that growth momentum. I am increasingly confident we are positioned to win in the embedded finance market and would like to thank the team for all of their hard work serving our customers, partners, and stakeholders. With that, we are happy to take your questions.

The first question is from Chris Kennedy with William Blair.

Leveraging the bank and the balance sheet to improve profitability, can you just talk about kind of where you are on that journey?

Well, we're really at just past the beginning stage. Jeff mentioned in his report that we repositioned part of the portfolio earlier in the year. And at our last Board meeting, we spoke with the Board about some more repositioning that will take place through the rest of the year. We've got some internal positions that need to be adjusted. We need to talk to the Board about our investment policy, and we'll be making those changes through the rest of this year.

Is there any way to quantify kind of the improving profitability of the bank as you kind of reposition it?

Yes, thanks, Bill, for the good summary. We're currently repositioning the bond portfolio that we sold earlier in the second quarter. We'll also start to invest our deposit growth, which is currently in cash, into floating rate securities. Some of these securities are relatively low-risk investments that offer solid liquidity in case we need to sell them, and they provide a yield enhancement over cash. These securities are expected to yield between 5% to almost 7%. So, as we deploy more cash into investment securities, the new securities will likely earn between 5% to 7%, though it's important to note that since they are floating rates, they will be subject to fluctuations based on overnight rates tied to SOFR.

Great. And then just as a follow-up, any update on the review of the strategic alternatives?

Sure. And thanks for the question. As we mentioned in March that we were beginning a strategic review and in our first quarter call, we said we would come back when we feel we have significant information to provide the market. At this point, the review is still undergoing, and we don't have an update to give at this point. And clearly, when we think we have something of real significance for the market, we'll make a further announcement.

The next question is from George Sutton with Craig-Hallum.

This is Logan on for George. I want to start on your comments about shifting kind of the strategy to go after earned wage access. I was hoping you could give us a bit more detail in terms of what the shifts are and how they might enable you to win more business there.

Happy to. Logan, I appreciate the question. The shift is that the PayCard business was primarily sold by territory managers who focused on employer payroll card programs targeting payroll professionals. Now, we are transitioning to a direct sales force that uses earned wage access as their main tool. We are directing our marketing efforts and sales resources towards the EWA opportunity, which targets a slightly different buyer. This requires a different marketing approach to attract a larger number of employers within the EWA channel, while still leveraging the expertise of our sales team. We have highly productive and capable sales professionals, and we are directing that capability towards EWA-specific buyers and influencers to drive adoption. Additionally, we are adjusting our marketing spend to create faster momentum in our EWA sales pipeline.

Got it. That's helpful. Please continue.

No, please go ahead, sorry.

I was just going to say as a follow-up, nice to see the competitive takeaway with Credit test. I was hoping you could give us just a little more information there in terms of how long the deal took and sort of what you think enabled you to win that?

I think it was fairly typical in our pipeline. Our average sales cycles are usually between six months and a year, and we fell within that timeframe. What helped us secure the deal with Credit Sesame was the strength of the ARC platform. We have the capabilities to offer features that are appealing to those seeking embedded finance solutions, and we can leverage the ARC platform to create solutions that align with our partners' visions for servicing their customers. We were able to showcase this to Credit Sesame, as we do with many partners in the market, to win competitive takeaways and deals.

Yes. Let me just add that we onboarded one customer in 2023, one customer in 2024, and we're going to onboard seven customers this year. I think that's a tribute to the organization that Chris has put together, and while he's being modest about it, it's really about the organization that Green Dot now has to succeed in the competitive space.

Thank you, Bill. I appreciate that addition. I would like to emphasize that we have discussed the transformation of our technology platform and the enhancements we've made to it across multiple earnings calls over the years. These investments are essential, and we are utilizing them in the marketplace to showcase our value in embedded finance solutions and platform offerings.

The next question is from Mike Grondahl with Northland.

This is Logan on for Mike. First, it was nice to see adjusted revenue and EBITDA up 24% and 34% year-over-year. Can you guys provide some additional color on what's exactly driving the growth from existing B2B partners and any feedback you're receiving from partners?

Chris, do you want to talk that?

Sure. In the B2B space, we're seeing two main aspects with our partners. We are expanding the solution offerings for them. With our largest BaaS partner, we collaborate regularly to create new features that enhance customer engagement and continue to generate revenue from these activities. This approach is consistent across all our partners. We are developing tailored roadmaps for each partner that outline additional features and new methods to serve their customers, ensuring we allocate resources effectively to support growth. Our focus is not only on growing the program by assisting with their marketing strategies to boost user adoption, but also on enhancing the product and feature offerings available to existing customers to drive further engagement and revenue within those partnerships. Therefore, we are concentrating on two key areas: marketing initiatives to encourage adoption, and developing feature sets that foster deeper customer engagement.

And I would just add, I think, Chris, you've also been successful in some of your renewals where you've been able to increase the overall economics through the long-term renewals in addition to driving engagement, etc., with the underlying base of consumers with those partners.

I think go ahead.

That was very helpful color there. And then one more from us. Is there anything else to call out on the Crypto.com partnership just with how that process is going, long-term expectations there? Yes.

At this point, we are very excited about the possibilities of the partnership. We believe there is a long-term roadmap that will allow us to continue providing value for Crypto.com and their customer base. We look forward to collaborating with them on that. Our teams are working closely together to bring our current solutions to market. Both parties are enthusiastic about the partnership and the progress made so far. We don't have any further updates to share beyond that. We believe this partnership is a solid foundation for long-term success.

Okay. Thank you very much. Well, that concludes the questions we have, and I want to thank you for attending our earnings call and the questions that you asked. We're all pretty optimistic about the future of Green Dot. So thank you very much, and I hope everybody has a good evening.

The conference has now concluded. Thank you for attending today's presentation. You may now disconnect.