Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

So this is -- my name is Tien-Tsin Huang. I'm the payments and IT services analyst at JPMorgan, and it's been a great day, great sessions with a lot of different companies. We have FIS here to close out the day. With us from FIS, we have Stephanie Ferris, CEO; and James Kehoe, CFO. Thank you both for being here. So nice to have you.

Stephanie Ferris
CEO, President & Director

Thank you. Thank you for having us.

Tien-Tsin Huang
JPMorgan Chase & Co, Research Division

Yes, for sure. So we're a little bit late, forgive us. So I thought I'd just kick it off, if that's okay. I know I asked it on the main earnings call, Stephanie, but it's always important to hear what's happening from your clients. You visit a client conference. What were the 2 big takeaways if you wanted to share? What did you learn? Where are you encouraged? Where could there be some room for caution and that kind of thing?

Stephanie Ferris
CEO, President & Director

Yes. So we did. We just had our Emerald Client Conference. We had over 3,000 client and prospects there. I would say the theme was immense positivity in the financial institution space. I haven't, Tien-Tsin, seen this much positive momentum and tailwind in this space probably since before the great financial crisis. Banks feel really good about where they are, if they're going to grow organically. They feel really good about where they are, if they want to