“But as I think, as people start to come back to work, as business travel starts to return, as I feel good that the commercial volume will continue to come back as well.”

In context

“c, we got off our trajectory of where we want it to be in 5 years. I feel like we're going to get right back on that trajectory and maybe even do better than we might have thought we would do. In terms of new flows, I'd say a couple of things. One is obviously Visa Direct continues to do very well. I cited that it was almost 0.5 billion more transactions in the quarter than the prior year. And I think in Vasant's remarks, he talked about mid-50s percent growth levels continuing and we've seen this for numbers of quarters now. And in the B2B space, we're starting to see some recovery. The B2B space looks like the consumer credit space, so it's the commercial volumes kind of echoing or following that, mirroring that, although small businesses obviously recovering quicker than large market. But as I think, as people start to come back to work, as business travel starts to return, as I feel good that the commercial volume will continue to come back as well. So again, I would say that in the new flows area, while we, again, went off trajectory for what we would have said at Investor Day, the reality is I think we'll get right back on now as we're seeing a really very good beginning to what I think will be a robust recovery. Lisa Ellis: Perfect. Thank you. Operator: Thank you. Our next question comes from Sanjay Sakhrani from KBW. You may go ahead, sir. Sanjay Sakhrani: Thank you. I guess my question is, if you parse through the granular spending trends, I'm curious how much of the spend outperformance you're seeing is related to pent-up demand versus stimulus benefits. I'm just trying to think through how to run rate the outperformance. And then, specific to the fourth quarter expectations, maybe you could just speak, Vasant, your expectation”