John Hecht

are you leaning into any cohorts in that in that way or leaning away from

can you just give us, your perspective on kind of the cadence of seasonality and how it might affect NIM

the other expense line item had -- like a step function upward, obviously, first full quarter of Discover. But is there a way for us to think that -- is there a part of that, that's integration exp...

could talk about your opinion on the influence that private credit is having on consumer finance at this point in time

What's your opinion on the state of affairs of the U.S. consumer? Has that changed in the last quarter? And have you noticed anything different between your customer set and the Discover customer set

how do we think about the kind of puts and takes of the opportunities for synergies versus the desire to spend and invest in the brand

Where do we see that going this year as a standalone business? And then, Rich, do you have any comments of what the total portfolio might look like

what's the source of that? Are you seeing that across a variety of income levels?

maybe can you talk about characteristics of partners where you're seeing expansion versus maybe modest contraction?

Maybe can you just give us an update on health and wellness, what the kind of product categories are and where you're seeing the opportunities there?

what are the early looks at the '24 vintage and how that compares to maybe pre-pandemic?

is there any kind of early reads from some of the aspects of the '24 vintage that leads you to believe that it might

Maybe can you talk about just the mix of digital commerce versus in-store commerce