Jeffrey Meuler
Robert W. Baird & Co. Incorporated, Research Division

All right. I'm Jeff Meuler, Baird's Information Solutions Analyst. Pleased to introduce TransUnion, which is one of the big 3 global consumer credit bureaus and a broader information solution company anchored by a proprietary consumer identity graph that powers credit, ID and fraud, marketing and consumer solutions. I'm joined on stage by TransUnion's CFO, Todd Cello. Also at the conference, the IR team, Greg and Jason in the audience.

Jeffrey Meuler
Robert W. Baird & Co. Incorporated, Research Division

Maybe to start, Todd, you had an Investor Day this March. I want to unpack some of the messages. From a company description perspective, I just gave a bit of it, but there's a concept of a 360-degree view of a consumer with multiple different use cases and a common identity graph. I think there's still some investors that think of you as credit bureau first.

So just help us understand like how broad the data that you know about a consumer is and how you tie it all together, what's hard about that so investors can start to think through implications in an AI world.

Todd Cello
Executive VP & CFO

Sounds good. I think it's an appropriate place to start. Thank you for having us. This is always a great conference. to be at. So for TransUnion, data is the differentiator for us. And those are the competitive advantages that, in essence, we have to enable our customers to what Jeff just said, to assess credit, but also to tailor marketing campaigns and to help mitigate fraud.