“And I believe in the next several years, this will actually be the largest part of the TurboTax business.”

In context

“of all, if I step back and look at the $200 million of impact that we experienced this year because of the lower number of returns and based on all the analysis that we've done, it's really the pandemic era filers that came in to get access to their stimulus into their tax credits. And those have, based on our own analysis, have really all now left in the category. One, we believe we'll get to sort of a more normal environment. That is really what drove the performance -- the lower performance than we expected this year. The second thing to get to your question around reacceleration, this is where I feel very good about the performance in an environment where there were lower returns with our TurboTax Live business. If you think about it, this is now $1 billion-plus business growing 19%. And I believe in the next several years, this will actually be the largest part of the TurboTax business. And it's really in context of getting after the $30 billion of TAM that is consumers that go to an assisted offering to get their taxes done or businesses that get their business tax done. And we believe based on what we learned this year with our full service offering that we have an enormous chance to be able to really penetrate at a much more accelerated rate as we look ahead. And therefore, very confident in not only our performance this year if you exclude the lower number of returns, but also the green shoots that we saw going into next year, inclusive of the fact that we had 5x of growth in the Credit Karma platform. And we learned a number of things that we're going to double down on going into next year. And let me couple that with your second question around AI, listen, I would”