“And our product pipeline in 2025 is a bit more backloaded, especially as we bring some new and exciting products and services to the market, and so that really drives the difference in pricing cadence in 2025.”

In context

“ay and Saturday, which are two of the highest spend days of the week. And this September, that was replaced with a Sunday and Monday, which are two of the lower spend days. And so that had an impact on September growth. And then secondly, in the U.S., in addition to that days mix point, we are starting to lap the modest impact of Reg II that we started to talk about a year ago in Q1. And so those combined things are contributing to what we see as the start of October. But as we said, it's three weeks. Let's see how the quarter plays out. Ryan McInerney : Bryan, yeah, as you noted and we've said many times, we price to value. So when we price to value, we have to ship products. We have to ship services. We have to deliver solutions that are adding value and increasing value to our clients. And our product pipeline in 2025 is a bit more backloaded, especially as we bring some new and exciting products and services to the market, and so that really drives the difference in pricing cadence in 2025. Jennifer Como: Next question? Operator: Next, we'll go to the line of Jason Kupferberg from Bank of America. Please go ahead. Jason Kupferberg : Thanks, guys. Just looking at the U.S. card-present volume growth, I think we've been in the 2% range here for the past two or three quarters. So wondering if you're expecting that to accelerate in fiscal '25. And Chris, can you just quantify what that favorable adjustment to Q4 new flows revenues were? Thank you. Chris Suh : Got it. Jason, you cut out a little bit at the end. What was the second part of your question, Jason? Jason Kupferberg : That onetime helper to new flows revenue in Q4, if you could quantify that? Chris Suh : Okay, got it. I'll start with the second one since you just asked it. Yeah, we feel great about the momentum of new f”