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Operator: Good afternoon, and welcome to Arthur J. Gallagher & Companies Second Quarter 2023 Earnings Conference Call. Participants have been placed on a listen-only mode.
Operator: Good day, ladies and gentlemen, and welcome to the Q2 2023 Arch Capital Earnings Conference Call. [Operator Instructions]. As a reminder, this conference call is being recorded.
Operator: Greetings, and welcome to the Euronet Worldwide Second Quarter 2023 Earnings Conference Call. At this time all participants are in a listen-only mode.
Operator: Ladies and gentlemen, thank you for standing by. My name is Brent and I will be your conference operator today.
Operator: Welcome to Visa’s Fiscal Third Quarter 2023 Earnings Conference Call. [Operator Instructions] I would now like to turn the conference over to your host, Ms.