We wanted to hopefully get more volume, but if it had a negative effect on MasterCard or Visa, I certainly wouldn't have objected to that. I would have been very enthusiastic about it.

The CEO succession process from me to Ken has gone smoothly, and we have been able to move even more quickly than I anticipated, ... Ken has put in place the new organization structure and senior leadership team.

allow Ken to increase the range of his responsibilities.

As I approached 60, I decided I did not want to work full-time until I was 65,

Try to work at the margins of your ignorance - that's how you grow

One of our keys to the game was to make them beat us shooting 3s, and they did that. We saw them twice and they weren't doing it then. That's the long, short, and middle of it, and shots that went in stopped going in.