“Now that is everything we're talking about is temporary in nature.”

In context

“whole bunch of vintages in place that are just smaller than prior vintages were, and that just has an extended impact on the growth in so that's kind of factor number one. We also, as we and you know, this is not surprising that we find this, but as we look over Discover's shoulders at their credit policy, and things that are now being implemented fully on still on the Discover system. We are doing some trimming on the margins of their origination in areas, particularly around higher balance revolvers. Which as we've said for way more than a decade, that's an area that we probably relative to the industry are more trying to avoid. So there's been some trimming around the edges that we're adding on top of their dial-back that they did that collectively leads to this brownout that we flag. Now that is everything we're talking about is temporary in nature. And the thing that will change that trajectory is getting on the other side of the tech integration of Discover into Capital One Financial Corporation because now when Discover is entirely on our platforms, and we're able to leverage all of our data credit policies, the marketing machine of Capital One Financial Corporation connected to the technology and everything else. We look forward to being able to resume growth. We've already identified a bunch of growth opportunities that are natural for Discover's really quite remarkable brand and business position. So we look forward to that on the other side. So that's the brownout, but that will continue until card integration is done. Let me turn to your other question on the health of the consumer. The US consumer and the overall macro econo”