“Well, I just emphasize financial location, Steve, of what you just said, which is we are now that growing those lending balances faster than the industry, and we absolutely expect that to continue.”

In context

“ard -- the majority of our card fee growth comes from new cards that we acquire. So, it doesn't just come from the fee increase, but we've also had a fee increase, which will come in over time. So, we feel really good about where we are from a card fee perspective. Let me just make one comment on sort of our overall loan growth, and then Jeff can get into the details. But the reality is pre-pandemic, we were growing slightly faster than the industry. We tend to have a lower share of our card members loan wallets than we do have their spending wallet. And our intent is to grow judiciously, but we will probably hope to get back to growing and -- we are growing fast we are growing faster than the industry, but to get our balances back up. But I'll let Jeff comment on the rest. Jeff Campbell: Well, I just emphasize financial location, Steve, of what you just said, which is we are now that growing those lending balances faster than the industry, and we absolutely expect that to continue. So, there's a lot of runway for growth on the lending side. And because of quarters like we just had with a record level of new US platinum and Gold Cards on the consumer side and a record level of US business Platinums, I'd expect net car fee growth to probably accelerate even further from where it is. Operator: Our next question will come from Bill Carcache with Wolfe Research. Go ahead. Bill Carcache: Hi. So, you've clearly navigated the pandemic exceptionally well and your acceleration in investment spending couldn't have been better timed, as evidenced by your customer acquisition growth. But as you look ahead from here, I wanted to follow-up on some of your earlier comments. Are you at all concerned over the risk that the Fed may be forced to actually push the economy into recession”