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Ladies and gentlemen, welcome to Marqeta Inc's first-quarter 2025 earnings conference call. (Operator Instructions) As a reminder, this conference is being recorded. It is now my pleasure to introduce ...

Welcome to the Q1 2025 Expensify Earnings. I'm Expensify's CFO, Ryan Schaffer, and with me, I have Founder and CEO of Expensify, David Barrett. Now we'll pass it off to Nikki [ph] for the legalese.

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The notable exceptions are European countries, where the Retina iPad mini still has a ship time of 3 to 5 days. Apple released the Retina iPad mini with a soft launch on November 12th. Since then the ...