Okay. Awesome. So my name is Matt Coad. I work at Truist Securities covering Payments and Fintech. And I'm really pleased to be joined by Rob O'Hare here. Rob has been with Affirm for a little bit ...

Democratized artificial intelligence — now seen with OpenAI GPT, Microsoft Big AI, and Google Bard/Gemini — can be a beautiful thing. At the same time, since everyone has access to democratized AI, it ...