"uthe: “akusibo abasebenzi basemgungundlovu kuphela ababhekene nale nkinga kodwa abasebenzi besifundazwe sonke abasebenzela u--ems. “ngesikhathi sikhuluma nabaphathi bethu sibuza mayelana nalolu daba basitshela ukuthi abanayo imali iphelile. "eyona mfundiso ndaba nomdla kuyo sisithembiso sebhayibhile sokuba abantu banokuphila ngonaphakade emhlabeni. le mfundiso yazicacela nangona ndandingekadibani namangqina kayehova. ndazixelela ukuba mhla ndadibana nengqina, ndiya kulicela ukuba lindifundise ibhayibhile. In fiscal 2019, we continued to make progress with our FICO® Decision Management Suite and FICO® Decision Management Platform initiatives. Most significantly for the fiscal year, we have added distinct FICO intellectual property into tools to develop explainable artificial intelligence or xAI. In addition, we have made many of our software solutions, which were previously available only as on-premises software installations, into SaaS solutions hosted on the FICO® Analytic Cloud and/or in AWS. The FICO® Decision Management Suite enables clients to use FICO tools, along with rapid application development tools and visualization tools, to quickly develop their own decision management applications and services. We continue to add functionality to the platform as well as host additional FICO applications in the cloud. These ongoing initiatives are driven by enhancing our core technical capabilities listed below, and extending them through partnerships with other technology providers as well as through employing open source software.