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if you're running at 9% now, is it like, steady state from here or could we accelerate
is that organic growth or is this just sort of bouncing around. And do you see any scenarios where that could normalize
talk a little bit about international in terms of your acceptance, growth, and how you're tracking versus your targets
In this environment, do you still feel like you have the ability to sort of grow fees
it looks like the Capital One, Discover merger is going to go through. Any thoughts on the competitive impact