John Hecht

“You know, SMB lending, it's a relatively new category for you guys.”

“I guess the first one is just you talked, Steve, you talked about new products, and you gave a pretty strong list of them. And maybe can you give us kind of a sense for timing and how you might prioritize these new products and when they may, you know, when we may kind of see them hit the market and the revenue?”

“You know, you guys talked about, I think, some of the proprietary products, proprietary cards, installment loans. It sounds like there's an increased portion of the overall mix tied to those products and services.”

“I'm looking forward to the 2029 product launch. The question I have is- Are you mocking the fact that it takes me three years to do anything good, which is okay.”

“I guess another question on the Mercury acquisition. I know you were repricing some portion of the portfolio. Capital One calls it what's going through a brownout with just sort of identifying find customers in the Discover portfolio and maybe trying to reorient them because they didn't meet the return hurdles.”