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Good day and welcome to the UL Solutions Fourth Quarter 2025 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over ...

This list includes transcripts from live chats that advice columnist Carolyn Hax held in 2025. See all her chat transcripts here. Carolyn Hax chat: My husband wants me to pretend his parents like me ...

Management emphasized the positive impact of lower funding costs and strengthened asset quality on overall profitability, with net interest margin and criticized loan ratios both improving year-end.

Executive Chairman — Evan Hafer Chief Executive Officer — Chris Mondzelewski Chief Financial Officer — Matthew Amigh Head of Investor Relations — Matthew McGinley Chris Mondzelewski: Thanks, Matt.