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are there two or three initiatives that are really high impact that you're working on that we should be thinking about
any details you can provide on where that $6 billion-ish of annualized spend is going
Is it becoming more expensive to attract these fee-paying cards? Is the acquisition mix changing
talk a little bit more about the cost structure and the potential for cost optimization if things get choppy
we've been seeing some pretty rich cashback offers from some of the newer entrants in the market