We are terminating the pending acquisition by Visa, instead choosing to remain an independent company. Since founding 8 years ago, we've been focused on expanding access and improving financial outcomes for consumers, developers, and institutions. The pace of a multi-year regulatory review is not compatible with our fast-moving realities as a startup, and delaying close another year or more isn't in the best interest of our customers, the financial system, or consumers. Despite this, we've experienced exciting growth, with hundreds of new banks joining our platform and over 4,000 companies turning to us for digital financial support. We're committed to delivering on open finance, working closely with customers and institutions to bring it globally, and expect 2021 to be more of the same in terms of growth and expansion.