Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

All right. Thanks, everybody, for joining. My name is Tien-Tsin. I'm the payments analyst at JPMorgan. It's always a highlight for me to get to interview this guy and to get an update on Block. So before I do the formal intro, let me just read the safe harbor statement.

So during this conversation, Jack may make forward-looking statements, including about Block's preliminary expectations for its financial performance in the second quarter that are subject to certain risks and uncertainties, including changes in macroeconomic conditions. They may also speak as to certain non-GAAP metrics. Please take a look at Block's most recent filings with the SEC for a discussion of the company's risk factors and for reconciliations of non-GAAP metrics to their most directly comparable GAAP financial measure.

Further, any discussion of Block's lending and banking products refer to products that are offered through Square Financial Services or its bank partners. I read that without my glasses.

Jack Dorsey
Co-Founder, Block Head & Chairman

Congrats.

Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

That's the biggest feat of the day. Jack Dorsey, Block, Head, Chairman, Co-Founder, thanks for being here with us, Jack.

Jack Dorsey
Co-Founder, Block Head & Chairman

Thank you.

Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

Always look forward to the conversation. It means a lot to me. So I was thinking about how to drive this conversation, Jack. There's a lot of ways to go with it. I was thinking because you're always talking about empathy and putting yourself in