Please note this conference is being recorded. Before I turn it over to management, I want to remind listeners that today's call may include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to numerous conditions, many of which are beyond the company's control, including those outlined in the Risk Factor section of the company's Form 10-K for the year ended December 31st, 2025, and other company filings made with the SEC, copies of which are available on the SEC's website at www.sec.gov. As a result of those forward-looking statements, actual results could differ materially. Fathom undertakes no obligation to update any forward-looking statement after today's call, except as required by law. Please note that during this call, management will be discussing Adjusted EBITDA, which is a non-GAAP financial measure as defined by the SEC Regulation G. A reconciliation of this non-GAAP financial measure to the most directly comparable GAAP measure is included in today's press release, which is now posted on Fathom's website. With that, I will turn the call over to Fathom's President and CEO, Marco Fregenal. Please go ahead, sir. Good afternoon, everyone, and thank you for joining us today. Before Daniel walks us through the financial results, I want to take a few minutes to step back and talk about the progress we made during the Q4 and throughout 2025. These past several years have been challenging for the housing market. Higher interest rates and affordability constraints have significantly reduced transaction activity across the industry. Despite those headwinds, we continue to execute on our long-term strategy and strengthen the foundation of the Fathom platform. That progress is reflected in our results. For the full year 2025, we generated $420 million in revenue, representing a 25% year-over-year growth, and our total transactions increased nearly 15%, driven in part by the addition of My Home Group and the continued addition of strong agents to our network. For the full year 2025, gross profit increased 20.8% to $34.2 million, compared to $28.3 million in 2024, and adjusted EBITDA improved by $1.7 million to a loss of $4 million, compared to a loss of $5.7 million in 2024. Beyond the financials, we made meaningful strategic progress. We expanded our ancillary businesses, launched new programs and partnerships, strengthened our leadership team, and sharpened our focus on the core Fathom ecosystem. It also merits noting that in our Q4, transaction volumes continued to reflect broader market trends. In December, for example, the industry saw a significant number of contract cancellations. In some markets, including Atlanta, Jacksonville, and San Antonio, cancellation rates exceeded 20%. Even in this environment, we are encouraged by the strengthening quality of our business. These conditions reinforce why we proactively restructure our economics to reduce reliance on transaction volume and build a more durable, diversified profit model across our platform, positioning us well for long-term growth and meaningful acceleration when conditions improve. With that context, let me shift to the four areas that are central to where we're going as a company: margin expansion, agent experience, customer experience, and AI-driven technology. Let me start with margin expansion. In the Q4 of 2025, we continued to build Elevate, our concierge-level offering, by adding more than 100 agents and implemented START, our first-time buyer concierge program, through an acquisition. So far in 2026, we have expanded START into five states, and we expect by operating in ten states by the end of the year. Looking ahead, our goal is for these two programs to represent at least 10% of our total transaction volume by year-end and increase to over 15% by the end of 2027. That's important because both Elevate and START carry significantly higher gross profit margins, typically ranging from 20% to 50%. As these programs scale, we expect them to have a meaningful positive impact on overall margins and further improve the profitability profile of the business. In addition, we are seeing continued progress across our ancillary businesses. Our mortgage business delivered strong performance, with revenues increasing 70% in the Q4 of 2025 compared to the Q4 of 2024, while maintaining gross profit margins of approximately 35%. Momentum has continued into the Q1 of 2026, where we have seen file starts increase by over 150% compared to the Q1 of 2025. Our title business also performed well, with revenues growing 38% in the Q4 compared to the Q4 of 2024, and it continues to be a strong contributor to gross profit margins of approximately 58%. Taking together, both our mortgage and title businesses are scaling nicely and expected to be meaningful contributors to improved margins and overall profitability in 2026. We're also implementing several initiatives to improve profitability and strengthen unit economics across the platform. Let me take a minute to explain our new commission plan named Edge and why it matters. Under Edge, new agents will pay a $75 monthly fee. Previously, we charged a $700 annual fee collected on an agent's first transaction of each anniversary year. The challenge was that approximately 35% of our agents never closed a transaction, which had made it more difficult to collect. The annual amount increases from $700 to $900, a 28.6% increase, which we should now be able to collect from the significant majority of our agents who join Fathom. Moving to a monthly structure increases consistency and predictability in our revenue, align us with our industry standards, and supports a more engaged agent base, which we believe will drive higher transaction activity over time. To put this in perspective, we believe this change could add over $1 million in additional gross profit over a full year. With Edge, we are moving away from a flat fee transaction fee and introducing a 7% split while maintaining our $9,000 annual cap, which resets it at the agent's anniversary. This is a strategic evolution. The flat fee model worked well in a static environment, but a split model allow our economics to scale with home prices. As values increase, our gross profit per transaction increases as well. In other words, we participate more directly in the upside of the market. Even with that change, we expect to remain extremely competitive. A 7% split is well below brokerages which typically charge from 20% to 30% or even more. While this change will increase our average gross profit per transaction by more than $200, we remain firmly positioned as a value leader. We are not repositioning as a traditional brokerage. We are strengthening our position as the highest value brokerage in the industry. In addition, we have introduced a new transaction fee of $250 applied to every transaction in Fathom Realty. On our previous Fathom One and Fathom Max plans, this fee alone will increase our per transaction gross profits by between 45% to 54% on transactions that have not yet reached the annual cap. To put that in perspective, on just 10,000 transactions, that represents an additional $2.5 million in gross profit. On our new Edge plan, which includes both a higher commission split of 7% and the separate $250 fee, the combined effect represents on average 116% increase in gross profit on a pre-cap transaction over our Fathom One plan, which is the plan under which the majority of our agents operate. It is important to understand our identity has never been tied up to a specific pricing structure. Whether flat fee or split, those are simply tools. Our identity is and always has been delivering the greatest value to our agents. Even with these changes, including the additional commission split under Edge and now the new $250 transaction fee, we believe we remain among the most competitively priced brokerages in the country. We continue to deliver significantly more in tools, technology, training, and operational support than virtually any competitor, while still pricing well below the vast majority of brokerages nationwide. This is something which we're very proud. Taking together, these structural changes are significant as these changes could add a significant incremental gross profit before any benefit from a market recovery. Finally, on implementation, all existing agents are being grandfathered into their current plan. Edge applies to new agents joining the platform. Over time, as natural attrition occurs and new agents join, the mix will shift towards Edge organically. We view this as a controlled, low disruption transition that allows us to improve unit economics while maintaining stability across our existing agent base. In addition, we are now applying a monthly fee to agents who have historically closed zero transactions with Fathom. We fully expect some of these agents to leave the platform, and we are comfortable with that outcome. These agents do not generate revenue or contribute to EBITDA. To date, we have already removed approximately 1,100 of these agents, and we expect a similar number to follow as we implement the monthly fees. Removing these agents will have zero negative impact on our net income or EBITDA. As these initiatives scale, we believe they will play a meaningful role in driving overall margin expansion. Now to agent experience. Agent success is at the core of our platform. We recognize that agents have different goals and operate at different stages of their careers, and we are committed to delivering a seamless experience that supports them at every step. That includes enhancing training, stronger lead generation, and new tools like our marketing platform, MAXA. Across our Elevate and START programs, we're now generating more than 4,000 leads per month, creating over 200 active customer opportunities for our agents. We expect that number to scale to more than 20,000 leads per month by year-end as we continue expanding these programs and roll out additional initiatives, including our partnership with byowner.com. We're also seeing encouraging traction with Fathom Business Services, our coaching program designed to improve collaboration between agents and ELG loan officers. While still early, more than 500 agents have completed the training and over $10 million in mortgage transactions are currently in process. Taken together, these initiatives are strengthening our value proposition, helping us attract and retain high-quality agents, increasing attachment across services, and driving incremental margin improvement while reinforcing our position as a technology-first platform. The customer experience is just as important to our platform. We focus on delivering a simple and transparent process that builds trust and confidence from search through closing and beyond. In Q2, we plan to launch an integrated consumer portal that will provide buyers and sellers with greater visibility throughout and after the transaction. We're also investing in programs like HOMESTAR, which helps consumers improve their credit. Although we are in the early stages of the rollout, over 600 potential buyers have enrolled, and we have seen approximately 40% of the participants graduating towards beginning the homeownership process. It helps streamline decisions around internet, cable, and utilities, while our START Concierge program supports first-time buyers as they navigate the complexity of home buying process. These efforts not only drive satisfaction, repeat business, and referrals, but also strengthen our network to contribute to greater efficiency and improve unit economics over time. Finally, we continue to enhance intelliAgent, our proprietary technology platform, as we lean further into AI-driven initiatives to modernize our offering and to improve overall efficiency. As a technology-first real estate platform, innovation is central to how we operate. We are leveraging AI and automation to streamline agent workflows, enhance the customer experience, and scale the business more efficiently than traditional models. These investments are already enabling smarter automation, better insights, and more efficient operations across recruiting, training, lead management, and transaction support. Over time, we believe this will help us attract and retain high-quality agents, further differentiate the platform, and stay ahead of our competitors that are slower to adopt these technologies. Ultimately, each of these initiatives is designed to improve productivity across the platform, increase revenue per transaction, and drive stronger profitability. Taken together, they reflect how we are evolving the model, expanding margins, increasing agent productivity, enhancing customer experience, and building a more scalable technology-driven platform. Now, let me take a few minutes to discuss some of the leadership changes of the past few months. Samantha Giuggio, who has been with the company for more than 14 years, made a decision to step down as President of Fathom Realty. I have had the privilege of working with Samantha for many years through both the challenges and opportunities our industry has faced. I am deeply grateful for her leadership and the many contributions she made to the growth and success of Fathom. We wish her nothing but the best moving forward. At the same time, I'm excited to welcome Lori Muller, who joined us in February as the new President of Fathom Realty. Lori brings more than 30 years of industry experience, most recently serving as President of EXIT Realty, where she oversaw a network of more than 25,000 agents. She is a proven leader with deep operational expertise, and I'm confident she will play a key role in driving the next phase of growth for Fathom Realty. I have already had the opportunity to work closely with Lori, and I'm excited about the energy, perspective, and leadership she brings to the organization. With that, let me turn the call over to Daniel to review the financial results for the Q4 and full year. Daniel? Thank you, Marco. I'll begin by reviewing our financial results for the Q4 and full year 2025, and then provide a breakdown of performance across our business segments. Starting with revenue. Q4 revenue totaled $90.6 million, a 1.2% decrease year-over-year compared to $91.7 million in the prior year period. The modest decline was primarily driven by a 3.2% decrease in brokerage revenue, reflecting softer real estate transaction activity during the quarter. This was partially offset by strong performance in our ancillary businesses, which grew an average of 54.2% year-over-year, driven by increased attach rates and continued expansions of our mortgage and title operations. For the full year 2025, total revenue increased 25.4% to $420.5 million, compared to $335.2 million in 2024. The growth was primarily driven by the addition of My Home Group in November 2024, as well as continued momentum in our ancillary businesses, which increased an average of 27.6% year over year. This reflects our ongoing focus on driving higher attach rates across our integrated platform and expanding revenue per transaction. Gross profit for the Q4 of 2025 increased to $7.1 million compared to $6.7 million in the Q4 of 2024. The increase was primarily driven by stronger contributions from higher margin ancillary businesses, including mortgage and title. The continued expansion of our Elevate program also contributed to improved revenue per transaction and stronger unit economics. Gross profit margin for the Q4 of 2025 increased to 8.1% compared to 7.2% in the Q4 of 2024. The improvement was primarily driven by a more favorable revenue mix with greater contributions from higher margin ancillary services as well as improved operating efficiency. For the full year 2025, gross profit increased 20.8% to $34.2 million compared to $28.3 million in 2024. The increase was primarily driven by growth in mortgage and title and the continued expansion of the Elevate program, which helped increase revenue per transaction and overall gross profit contribution. Gross profit margin for the full year 2025 decreased moderately to 8.1% compared to 8.4% in 2024, as the benefits from growth and higher margin several businesses were offset by revenue mix changes, including the addition of My Home Group and continued investments in growth initiatives. Our technology and development expenses were approximately $1.7 million for the Q4 of 2025 compared to $1.8 million in the prior year period. For the full year 2025, technology and development expenses increased to $7.3 million from $6.6 million in 2024. The approximately $700,000 increase was primarily, including the expansion of new features within intelliAgent. General and administrative expenses totaled $8.2 million for the Q4 of 2025 compared to $8.4 million in the prior year period. For the full year 2025, general and administrative expenses decreased to $33.1 million from $33.6 million in 2024, primarily reflecting the impact of cost reduction initiatives implemented throughout the year. Our marketing expenses totaled $1.4 million for the Q4 of 2025 compared to $1.9 million in the prior year period. For the full year 2025, marketing expenses decreased to $5.2 million from $5.8 million in 2024. The decrease was primarily driven by continued expense discipline and increased efficiency across marketing initiatives. Our GAAP net loss for the Q4 of 2025 totaled $6.7 million or $0.21 per share, compared with a net loss of $6.2 million or $0.29 per share for the Q4 of 2024. The year-over-year increase in net loss was primarily driven by a lower income tax benefit of approximately $20,000 in 2025 compared to $1.1 million in the prior year period, as well as the recognition of approximately $900,000 loss on the sale of business. For the full year 2025, GAAP net loss was $20.3 million or $0.72 per share, compared with a GAAP net loss of $21.6 million or $1.07 per share for 2024. The year-over-year improvement was primarily driven by higher revenue and expense reduction initiatives. These improvements were partially offset by the recognition of a $900,000 dollar loss on the sale of a business and approximately $2 million in accrued legal expenses. Our Adjusted EBITDA loss, a non-GAAP measure for the Q4 of 2025, improved to $2.6 million compared to $2.9 million in the Q4 of 2024. For the full year 2025, Adjusted EBITDA loss was $4 million compared to $5.7 million for 2024, representing an improvement of approximately 29.8% year-over-year. The improvement was primarily driven by higher revenue, particularly from the addition of My Home Group and growth in our ancillary businesses, as well as continued expense reduction initiatives, including lower marketing and general administrative expenses. These improvements were partially offset by increased investment in technology and development to support long-term platform growth. I will now provide a more detailed review of performance across our individual business segments. Starting with our brokerage segment. We closed approximately 8,501 real estate transactions during the Q4, a decrease of 14.2% compared to 9,903 transactions in the Q4 of 2024. The decline was primarily driven by continued softness in the residential real estate market, including elevated mortgage interest rates, affordability constraints, and limited housing inventory, which impacted overall transaction volumes. Notably, US home purchase agreements canceled in December represented approximately 16.3% of homes that went under contract during the month, the highest December level recorded since tracking began in 2017, highlighting the ongoing volatility and pressure in the housing market. For the full year, we closed approximately 42,405 real estate transactions, representing a 14.6% increase compared to the prior year, primarily driven by the addition of My Home Group in November 2024. We ended the Q4 with approximately 14,135 agent licenses, a decrease of 1.2% compared to 14,300 agent licenses at the end of the prior year. The modest decline was primarily driven by continued softness in real estate market, which impacted agent recruiting and retention, as well as a continued focus on improving agent productivity and overall network quality. Revenue for the real estate division was approximately $84.9 million in the Q4 compared to $87.7 million in the prior year period, representing a 3.2% decrease. The decline was primarily attributable to softer housing market conditions, including reduced transaction volumes during the quarter. For the full year 2025, revenue increased 26.8% to $399 million, compared to $314.7 million in 2024. The increase was primarily driven by the addition of My Home Group in November 2024. Gross profit margin for our real estate division remained consistent at 5.4% for the Q4 of 2025 compared to the Q4 of 2024 as improvements from higher agent productivity and increased contribution from Elevate were largely offset by softer transaction volumes and revenue mix during the period. For the full year 2025, gross profit margin improved to 6.1% compared to 5.8% in the prior year. The increase was primarily driven by the continued expansion of our Elevate program, which enhances revenue per transaction, as well as a broader initiative focused on improving unit economics, including pricing discipline and increased contribution from higher-margin transactions. Adjusted EBITDA loss in the brokerage division was approximately $200,000 in the Q4 of 2025 compared to adjusted EBITDA income of $40,000 in the Q4 of 2024. The year-over-year decline was primarily driven by lower transaction volumes in a softer housing market, which reduced revenue and operating leverage in the quarter, partially offset by continued expense discipline. For the full year 2025, adjusted EBITDA income in the brokerage division increased to $5 million compared to $3.2 million in 2024. The improvement was primarily driven by higher transaction volumes from the addition of My Home Group, as well as improved unit economics, including increased revenue per transaction and ongoing cost optimization initiatives. Next, I will turn to our mortgage segment. Our mortgage business generated revenue of $3.4 million in the Q4 of 2025 compared to $2 million in the Q4 of 2024, representing an increase of approximately 70%. The growth was primarily driven by higher loan origination volumes and improved attach rates from our brokerage channel. Mortgage Adjusted EBITDA loss for the Q4 of 2025 improved to approximately $200,000 compared to a loss of $600,000 on higher volume as well as continued expense discipline. For the full year 2025, revenue increased 17.4% to $12.8 million compared to $10.9 million in 2024. Adjusted EBITDA loss improved to approximately $500,000 compared to a loss of $1.5 million in the prior year, representing an improvement approximately 67%. The improvement was primarily driven by higher revenue, improved attach rates, and continued strategic cost reduction initiatives, as well as increased efficiency across the platform. Turning now to our title segment. Our title business generated revenue of $1.8 million in the Q4 of 2025 compared to $1.3 million in the Q4 of 2024, representing an increase of approximately 38.5%. The growth was primarily driven by organic expansion and increased transaction volume from internal referrals. Verus Title's Adjusted EBITDA loss for the Q4 of 2025 was approximately $300,000, consistent with the prior year period as higher revenue was offset by continued investment in personnel and infrastructure to support future growth. For the full year 2025, revenue increased 37.8% to $6.2 million compared to $4.5 million in 2024. Adjusted EBITDA loss for 2025 increased to approximately $1.2 million compared to a loss of $500,000 in the prior year. The increase in loss was primarily driven by continued investment in scaling the title platform, including hiring, market expansion, and infrastructure build-out, which outpaced revenue growth during the year. These investments are intended to support increased attach rates and improve profitability over time. That concludes our segment review. Turning to our balance sheet and liquidity. We continue to maintain a disciplined focus on our balance sheet given the dynamic real estate market environment. We ended the quarter with a cash position of $5.7 million, reflecting our ongoing focus on liquidity management, expense control, and operational efficiency. We did not repurchase any shares during the Q4 under our existing stock repurchase program. On March 18th, 2026, the company entered into a $2 million financing arrangement, which provides additional liquidity and financial flexibility as we continue to execute our strategic initiatives and navigate current market conditions. That concludes my remarks on the financial results. I'll now hand it back to Marco to share more on our strategic initiatives and outlook. Thank you, Daniel. Before we open the call for questions, I want to spend a few minutes talking about how we see the opportunity ahead as we move through 2026. What I want to emphasize is that the structural changes we have made to our business are designed to deliver meaningfully stronger results regardless of what the broader housing market does. We are not counting on a market recovery to drive our improvement. The pricing and fee changes I described a few minutes ago are already going into effect, and they fundamentally improve our unit economics at any level of transaction volume. At the same time, the long-term fundamentals for housing demand in the US remain very strong. Regardless of when transaction volumes recover, Fathom is well-positioned, and more importantly, we are entering the next phase of the business, which we believe will be very positive. Over the past several years, we have invested in building a scalable platform, expanding our agent network, and developing our technology and building out our ancillary services across market, title, and lead generation. During 2025, we took important steps to improve the economics of the model, including changes to our commission structure, the introduction of recurring fees, and the continued expansion of higher margin services. As a result, we believe our business today is stronger, more efficient, and more diversified than it has been in the past. Even without a market recovery, we expect to deliver better margins and greater operating leverage. If the housing market does begin to normalize or improve, which we believe it will over time, that becomes more meaningful additional upside. That brings me back to our four priorities we outlined earlier, which will guide our execution in 2026. We are focused on pursuing margin expansion, seeking to improve revenue per transaction, and looking to increase the contribution from our higher margin businesses. We intend to continue enhancing the agent experience with the goal of helping our agents close more transactions and grow their businesses. We also expect to explore new tools, new services, and partnerships aimed at improving the customer experience and simplifying the transaction process. We anticipate continuing to invest in technologies and AI, which we believe will be a key driver of efficiency and scalability across the platform. Together, these initiatives position Fathom to capture growth opportunities as the housing market recovers and to deliver stronger financial performance over time. Before we conclude, I want to take a moment to thank our employees, our agents, and our leadership team across the organization. The past several years, our team has continued to execute, innovate, and support our agents and clients throughout that time. Their work has positioned Fathom for what we believe is the next phase of growth. As we move through 2026, our focus remains on executing these initiatives because we believe they'll deliver materially improved financial results with or without a market recovery. To summarize, there are three points I would highlight from today's call. First, we made meaningful progress on strengthening the foundation of the business during 2025, growing revenue and expanding the platform despite a difficult market. Second, the structural pricing changes we have made, including the new $250 transaction fee and the shift to a monthly recurring fee and more than 100% increase in gross profit per recapped Edge transaction, are designed to meaningfully improve our unit economics at any transaction volume. Third, our business is more scalable and more profitable per transaction than it has ever been. When the housing market recovers, we are positioned to capture the upside with significantly better margins. Operator, we're now ready to open the line for questions. Thank you. If you would like to ask a question, please press star one on your telephone keypad. A confirmation tone will indicate your line is in the question queue. You may press star two if you would like to remove your question from the queue. For participants using speaker equipment, it may be necessary to pick up your handset before pressing the star keys. Our first question is from Tom Hayes with Roth Capital Partners. Please proceed. Hey, good afternoon. I appreciate all the color on the call today. Hey, Tom. How are you? Good. Hey, Marco, just a couple things. Again, I appreciate all the details. Really two things. One on the Elevate program. Could you just reiterate what you said as far as your target to bring on new Elevate partners in 2026? Sure. Elevate, think of Elevate as a platform, right? There'll be different kinds of agents who use Elevate in different ways. You have our regular starter, you know, program that was Elevate. We created the START program that leverages some of the functionality and the benefits, including lead generation that Elevate offers. Elevate, it will evolve into two or three different kinds of offerings under the Elevate platform. Our goal by the end of the year is to have about 1,000 agents on Elevate. I think combined right now we're about 260 to 275. We think that by the end of the year, we'll be at around 1,000 agents on the entire Elevate platform, which again is going to consist of agents on just the basic Elevate program, on Fathom Elevate, and a couple other versions of Elevate that we'll create over the year. Okay. Appreciate that. Then on the New Edge program, just wondering what some of the feedback from the agents has been. That went into effect January 1st. Can you just remind me, that should be a margin contributor from the start, correct? Yes. Actually, it's going to go live on April 1st, this week. Good. We've been working on it for several months. I think a lot of our agents like the program in a sense that it compares extremely incredibly well against other companies that are charging 20% and 30%. Again, keep in mind that our current base is grandfathered, so they can continue to stay on our previous plans, whether it's Fathom Max or Fathom Share. They don't have to move to Fathom Edge. Having said that, we already heard from a variety of agents saying they want to move to Fathom Edge for a variety of reasons in terms of the cap and some other benefits of Fathom Edge. I think there'll be a percentage of our regular agents that move to Fathom Edge. All new agents starting on April first will go into Fathom Edge. Again, over time, as we have regular attrition in the business, right. The percentage of Fathom Edge agents will continue to grow and be a bigger percentage of the total agent base. But the new program, Fathom Edge, starts on April 1st, as well as the $250 broker fee. I appreciate that. Maybe just lastly, I know you and I spoke about it last time, but certainly the agents are key to the Fathom story. I was just wondering about your strategic partner with ByOwner, cause I think certainly, you know, the for sale by owner is a significant market piece as well. just maybe- Sure. Any updates on that partnership as well? Yeah, absolutely. Our goal is, you know, to leverage, you know, a significant percent of individuals who want to sell their house by themselves actually at some point do hire a real estate agent, and the number is over 90%, right? Our partnership- Yep. Our partnership with ByOwner is really focused on that, right. It's how do we introduce the agent network to those sellers who want to take advantage of really working with an agent and getting the benefits of everything an agent can do there, right? Our partnership is really focused on that. Our partnership is not focused. They have another partner that handles when a seller wants to sell the house by themselves. Again, the focus of our partnership is that. We already are in the beginning of the partnership. We already are connected with them. We're already getting leads from them. They are about to announce several partnerships that will be announced soon, which we'll be the real estate partner for them. The ByOwner platform is going to be a meaningful platform for us as we get into Q2 and so we're going to get a lot of listings from that relationship. I think I've mentioned this before that they currently get about 500,000 visitors a month, right? Yep. They have a significant audience, and we're certainly going to be able to help ByOwner and our agents monetize and help those clients who want to get the benefit of a full service or agent. All right. Great. Appreciate the time. Thank you. Thank you. It's good talking to you again. There are no further questions at this time. I would like to turn the conference back over to Marco for closing remarks. Well, I just want to thank everybody for joining us today. I know this is a long call, but there was a lot to update about our business and some of the key initiatives that we are already implementing for 2026. We look forward to a great year. We're very excited about the changes that we're implementing to our business that we believe are going to have meaningful results to our profitability and our growth for 2026. I want to thank everybody for joining us and look forward to talking to you soon. Have a great week. Thank you. This will conclude today's conference. You may disconnect at this time and thank you for your participation.