Mark DeVries

how should we think about the longer-term return on investment in platforms like resi, Fork?

are you seeing any green shoots there that give you optimism about a bigger recovery

Do you see existing customers actually change the way they use their card when you layer on new value

how much you think the platinum refresh contributed to the acceleration in build business growth during the quarter

Should we expect the same type of meaningful step up in added value relative to the fee that we've seen past refreshes

can you just talk about which segments of your business you would expect to be under the most pressure

how that has historically kind of responded to rising confidence

can you just talk about where you see the best kind of longer term growth opportunities

Could you comment on how the pipeline for new program acquisitions or signings looks relative to recent history

Looks like they continue to trend more favorable than normal seasonality. Is that your perception?

I was hoping you could just elaborate on how the value prop of that card kind of compares to the last time you partnered with Walmart

was it kind of size to give you plenty of flexibility to outperform on the growth perspective?

The question is, is that still the right target for you to manage down to? And any thoughts on kind of pace at which we should expect you to kind of manage down to those levels?