Stephen Trent

I sort of recall you guys were sort of looking to a high single-digit increase in cobranded card remuneration, and it perhaps is coming a little bit stronger than that if you could elaborate, please

Do you actually have a meaningful number of foreign cardholders, or is this just pretty much an entirely US cardholders?

There's been stuff in the news about anti-tourism incidents in some cities. And are you guys seeing anything at all there