william lansing joins us with the outlook next. your shipping manager left to “find themself.”t. you need to hire. i need indeed. indeed you do. indeed instant match instantly delivers quality candidates matching your job description. visit indeed.com/hire >>> welcome back to the change. shares are down in line with the market. they did beat on the top line posting a revenue of $447.8 million. they will acquire up to $1 billion worth of shares. let's dive into the results with fico ceo william lansing. welcome, good to have you. >> thank you. good to be here. >> explain how people are being scored, be ut how do you actual make money? >> we have two businesses, the software and the score business. it's part of the credit system in the united states and we sell the scores to lenders through our partners, the credit bureaus. so that's one way we make money. the other side of it would be the software business, which is not nearly as profitable, but it's a business in which we apply analytics to data to make decisions typically about credit but anything that's consumer-facing. >> wh