Rick Shane

If you think about that younger cohorts, are they more sensitive to changes that we see

is there incremental opportunity for investment or is that something we would see fall to the bottom line

what percentage of customers take retention offers or request retention offers

Have you pulled some of that forward in anticipation, or should we see a step function over the next year or two

where you see opportunities? And I'm curious, sort of, where you're going to be more aggressive

the other benefit besides growth is that there's higher operating leverage because there's more fixed costs

Do you think that that efficiency ratio will be because you grow the revenues into it, or do you actually think we will see a peak in expenses that will recede

you had alluded to the fact that the integration expenses are going to be above the initial $2.8 billion target. Could you help us understand that more specifically

how the technology stacks compare for each company? Is this going to be an easy transition to get the Discover systems onto the Capital One system

should we expect charge-off rates to be structurally higher as long as interest rates are structurally higher

Can you help us understand spending and credit performance based on income level and score? Are you seeing divergence based on borrower category?

As you think about the second half and widening the aperture, how do you balance that?

does the stickiness of PPPC enhance the ROA of time borrowers in a way that they become even more attractive for you going forward?

Can you speak a little bit to the impact of utility for the consumer being able to use the card in one place as opposed to having to be their primary card

I am curious when you think about the credit profile, is it different both from a FICO score perspective, but maybe even more importantly, from a utility perspective