Good afternoon and welcome to the HealthEquity third-quarter 2025 earnings conference call. Please note, this event is being recorded. I would now like to turn the conference over to Richard Putnam.
Monday saw a 0.6% decline in the S&P 500, which doesn't sound like anything to get excited about given the index is still up 27% on the year. But actually, it was a historic day in one sense - ...