Good day and thank you for standing by. Welcome to the NewtekOne, Inc. Third Quarter 2025 Earnings Conference Call. [Operator Instructions] Please be advised that today's conference is being recorded.

Microsoft Corporation ( MSFT) Q1 2026 Earnings Call October 29, 2025 5:30 PM EDT Greetings, and welcome to the Microsoft Fiscal Year 2026 First Quarter Earnings Conference Call. [Operator Instructions ...