Harry Bartlett

how you're thinking maybe costs will develop versus how they developed historically

perhaps maybe you could talk about the economics here, whether there's any difference between what you do with kind of direct merchant integrations

in terms of how quickly you can roll out into other geographies. Is it now a case of you have a playbook

do you think there's any intensification of competition there that's maybe causing any of the weakness?

does that imply that maybe there's a bit of an offset in some other products or other regions?