Operator Ladies and gentlemen, greetings, and welcome to the Flywire Corporation fourth quarter and full year 2024 earnings conference call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation.

Greetings, and welcome to the Grocery Outlet Q4 and full year 2024 earnings results conference call. [Operator instructions] As a reminder, this conference is being recorded. It is now my pleasure to introduce you to your host,