And so those will be two things. We’re actually in beta right now, with the Financial Crimes Defender product, and it is getting significantly, really good fanfare from our clients in the beta process. So we’re pretty excited. But those are just two of several other things. We actually have a committee here at Jack Henry, that we kind of aggregate all of our kind of defense projects, fraud products. And we have a team that is looking to kind of consolidate some of that and drive the right strategy for our customers.
Operator: And the next question comes from John Davis of Raymond James.
John Davis: Hey, good morning, guys. Mimi, just on the updated EPS guide. It looks like the better margin on a non-GAAP basis kind of offset a little bit weaker revenue. And then the deconversion fees looks like it’d be about $0.20 hit EPS, but you only took down the midpoint by $0.11. So just curious that our tax rate or anything goes in line or anything else that drives that kind of smaller EPS asset.
Mimi Carsley : Yes, thanks for the question. JD, you’re right, in terms of the deconversion revenue driving about $0.20. If it were to stand on its own. A couple of things, one, to just follow on to my prepared remarks. The disciplined focus on expense controls, and the second half is driving part of that upside. Additionally, we are seeing because of the higher interest rates, we are seeing some positivity from an interest income perspective, that’s helping as well. And then on a GAAP basis, you have the Albuquerque sale, as well. So that’s just not a lot of changes on the tax rate. But just between management control, and a little bit of interest rate savings. So I would say that’s a primary driver of that change.
David Foss: I’m glad you call that out, JD, because I think the as Mimi just detailed, there are several things in there. But the primary driver of that difference between the $0.20 and the $0.11 is management expense control. We have a team here who has really dug in to make sure that we’re doing the right things on the expense side. And so if it were just for the slowdown and deconversion revenue, we’d see a $0.20 hit, but the team has really put in the extra effort to make sure that we’re doing the right things here. And I think that’s a significant call out for the management team at Jack Henry.
John Davis: Okay, thanks. And then the second half implied guide is a little very modest step up implies growth a little over 7%. Any callouts, Mimi, 3Q versus 4Q, should be relatively consistent. Just trying to think about cadence of revenue growth in the back half of the year.
Mimi Carsley : Yes, it’s a good question, JD. I mean, I would say in similar to our comments last quarter, that the first half is slower and we see a pickup as the year goes on, both from a revenue with Q2 expect it to have been our lowest quarter and growing as the year continues. So I wouldn’t say that there’s a dramatic difference between 3Q and Q4, but just a second half favorability versus first half.
John Davis: Okay, thanks. And then, Dave, on the debit card revenue, I think I was called out. It’s about 22% of revenue. Can you help us think about what’s an account on file fee versus per transaction? Just trying to understand it, if macro slows further, it gets better how sensitive that card business is to spending levels?
