Good afternoon, and welcome to the Affirm Holdings fourth quarter fiscal 2024 earnings call. Following the speaker's remarks, we will open the line for your questions. As a reminder, this conference call is being recorded, and a replay of the call will be available on our investor relations website for a reasonable period of time after the call. I'd now like to turn the call over to Zane Keller, director of investor relations. Thank you, Zane. You may begin. Thank you, operator. Before we begin, I would lik ...