We believe TALK is entering 2026 with major momentum, and expect further utilization gains with a few notable potential upside drivers in 1H26. TALK remains a top idea into YE. Payor utilization. Results demonstrated a notable continued acceleration in Payor utilization across all key KPIs. Below, is a graphic showing y/y and q/q for Payor revenues, members, and sessions over the last 11 quarters to highlight this acceleration. Average sessions per Payor member also accelerate to 3.58x, after two quarters at 3.46x. Another signal that TALK's platform improvements are driving higher engagement and better retention.