I'm pretty happy with the results. We saw a little bit more top line growth and that was encouraging. What fueled it was just good card usage.

The company has been very dynamic and proactive in their target marketing of customers and they're really being led. Their growth is led by accounts and what really is separating the credit card companies apart from one another these days is their ability to find those customers.

They are trying to plug as many holes in the dam as possible, especially in corporate travel. The company has bet a lot on cost saving for next year's numbers, and this is going to be something that is very hard for them to achieve. Obviously they're still displaced from September 11.

We're pretty comfortable with our international growth strategy, ... Obviously as additional capacity comes in to some of those markets at the margin we're impacted by that.

The consensus is looking for 13 percent earnings growth in Q4, which is a pretty high hurdle. Earnings have been coming in better than expected for a long time. This time, if earnings don't come in better than expected, the market may take a hit.

It's strong across the board. We're seeing double-digit growth -- that's pretty dramatic -- and strong growth on the consumer side.