Visa

11120.257 - 11144.491 Ben Gilbert

Yeah, it's true. I think there are less affluent people in our generation who have Amexes versus the premium products from banks or merchants. Okay, so Visa and MasterCard together, which of the seven powers do they have today? And if you want to also do the analysis, which did they have early days? And I will start, I think there's an easy no-brainer that you have scale economies.