we want to dig into that nuance with anthony noto.our full-year guidance was raised in you are feeling positive about how you are stealing -- steering the company at an inflection point, but why is the second order above expectations? what can you add to what we are seeing right here, right now? anthony: great first quarter, it's in line with the transformation that we talked about, our combined tech platform financial services business, growing 54% year-over-year, combining the flat revenue. that was a part of the plan. we had our second consecutive quarter of positive eps, in addition to growing book value on a tangible basis per share by 60%, potentially. we guided the full year, as you mentioned, above not just our beat but our prior guidance. that's a positive overall outlook. we had not usually give the current quarter and at the end of 2024 we gave the full guidance for q1, not q2. because we are taking a conservative view on lending, lending will be down sequentially in q2, while our tech platform financial services revenue wi