Richard Putnam: Thank you, Rocco. Hello, everyone. Welcome to HealthEquity s Second Quarter of Fiscal Year 2024 Earnings Call. My name is Richard Putnam, Investor Relations for HealthEquity.
Operator: Greetings, and welcome to the Titan Machinery Inc. Second Quarter Fiscal 2024 Earnings Call. At this time all participants’ are in a listen-only mode.
Operator: Ladies and gentlemen, good morning. Welcome to the UBS Second Quarter 2023 Results Presentation. The conference must not be recorded for publication or broadcast.