James Faucette
Morgan Stanley, Research Division

Anyway, we'll get started here. Thanks, everybody, for joining us here at Morgan Stanley, and we're joined by Greg Adelson, CEO of Jack Henry. Before I get started with Greg, I'm James Faucette, Senior Fintech Analyst at Morgan Stanley, and I do have a quick disclosure to read. Please see the Morgan Stanley research disclosure website at morganstanley.com/researchdisclosures. If you have any questions, please reach out to your Morgan Stanley sales representative. So Greg, great to have you back. Appreciate it.

Gregory Adelson
CEO, President & Director

Good to see you again, James.

James Faucette
Morgan Stanley, Research Division

So maybe for investors that are newer to the story, and it's just kind of hitting some of their critical screens, et cetera, can you quickly frame Jack Henry across at least the way we think about the business, core, payments and complementary? And then maybe take that opportunity to explain what has changed most in the business over the last 5 years as you've moved from back-office infrastructure into more facing -- customer-facing, particularly on digital payments and fraud.

Gregory Adelson
CEO, President & Director

Okay. Sure. So let's start off just kind of the segmentation. So we segment our business as you described. So core is about 31% of our overall revenue. Payments is about 37%. Complementary is 28% and then there's roughly 2% or 3% that's left that goes into a corporate bucket of a variety of things, mostly hardware, things along that line. So just to give you a quick description, so in payments, we run a big card issuing business. So that has debit and credit in