Craig Maurer

how much lift you got in spend from that refresh from existing card members versus new customers

how much do you think the fourth quarter growth rate was related to this being the new product

how much of that you think has been. With consumers or businesses that have high-end cards with other issuers already

how you feel about your customer-facing tech and SME and whether that might be an area of potential acquisition

how that lines up with your thought process on the travel space and how the Delta book has been comping

the flurry of states that are speaking out against prediction markets and their concerns there

Can you talk about the sensitivity of the overall business to FX rate moves these days? And when you set the FX rates for the guidance

The administration has been talking about reaching deals with certain countries to eliminate the Pillar 2 issues

Can you talk about what segments you're seeing the most growth or most demand from

what you thought were the idiosyncratic pieces of your business that might allow you to perform better than peers

I just want to make sure I understand how you balance the risk/reward here

I was wondering if you could dimensionalize the lift that you get on a basket size or a GMV spend basis for those that have the credit card

I wanted to ask on the profitability of the credit card business, specifically the cohorts from last year. I believe you said they had been approaching breakeven

I wanted to ask a bit more specifically about the fintech competition in Mexico. Your product offering is trending more toward what we see from the likes of new

how over time when you have tons of instant checkout solutions available in the market, how those might be prioritized or presented to consumers

I wanted to understand how the de minimis exemption impacts your business and how we should think about that should tariffs include that and come into play

how can you achieve something similar with a 4-party network versus a 3-party network, when it seems that issuers are going to have to buy in

To what degree are you able to make-up for that with other revenue or VAS being sold into these issuers