“For the full year, we expect revenue growth of around 15%, consistent with the revenue guidance range we provided at the beginning of the year.”

In context

“sal is adopted as written. Notably, we believe there are clear opportunities for improvements between the proposal and the final rule. In fact, the regulators themselves have posed questions about potential issues in applying these rules broadly and we are actively engaged in that dialogue. We plan to continue to return to shareholders the excess capital we generate while supporting our balance state growth. We do not expect any material near-term changes to our capital management approach. That brings me to our growth plan and 2023 guidance on Slide 18. As Steve and I discussed in our third quarter results -- our third quarter results, sorry, reflect a continuation of the strong momentum we've built over the last few years, evidenced by our performance across diversified revenue streams. For the full year, we expect revenue growth of around 15%, consistent with the revenue guidance range we provided at the beginning of the year. As I discussed before, we now expect variable Card Member engagement expenses to be around 42% of total revenues on a full year basis, modestly below our original expectation. On marketing, we still expect to spend around $5.5 billion for the full year. And lastly, we now expect our operating expenses to be around $14.5 billion this year, modestly above our original expectation as we invest in areas critical to our success. Taking everything together, our earnings per share guidance remains between $11.00 and $11.40. Looking forward, we remain committed to focusing on achieving our aspirations of sustainably delivering revenue growth in excess of 10% and meeting EPS growth in a steady-state macro environment. With that, we'll open up the call for your questions in a moment. A final point”