“For our travel business, we will be focused on the hopper build out through the balance of this year, so bringing our travel portal to Brex will likely follow that work.”

In context

“brand, and we expect these to only grow stronger over the next few months. They are also benefiting from the cost of funds impact of moving to our balance sheet. We have already stood up a program to share high potential leads from across our businesses with Brex, and we are seeing very promising early results at the outset. We will scale into this approach more aggressively over time. Now some other benefits that we bring are going to take a little bit longer. Over the coming months, as we test and learn, we will start leaning in, with marketing dollars. Fully leveraging the marketing machine of Capital 1 requires a little more technical integration. We will have to set up data pipelines and calibrate our models for Brex's customer base. So that will come a little further down the road. For our travel business, we will be focused on the hopper build out through the balance of this year, so bringing our travel portal to Brex will likely follow that work. We expect that Brex will also bring many benefits to Capital 1 especially bringing Brex capabilities to our small business card business. These benefits will require integration and will be unlocked over time. So we are already moving to bring benefits to them. Most of that is not yet reflected in our investment dollars because, really, most of the work has been sort of putting working to put capabilities in place. Terry Ma: Got it. that is helpful. And then for my follow-up, regarding loan growth, that continues to improve each month. In the card business even in spite of the Discover brownout. As we kinda look ahead to Discover originations being fully on Capital 1's platform, how should we think about growth in the card business after that and then also the associated marketing spend r”