Dave Koning

“What, one thing I was just wondering about, it looked like Brazil remains a little slower than normal and you still had a great quarter. I guess I'm wondering how much better maybe it would have even been if Brazil was running normal and maybe, you know, Am I right about that?”

“You called out cross-border e-com very strong through the last quarter. I think you said promotions, FIFA, et cetera. It stayed really high in July. Were those factors influencing July, too, in that we should expect a little bit of a fall-off in the next couple months?”

“And I guess, first of all, when we look at margins in the back half, I know they're up slightly, but that's off a pretty easy comp with all the tariffs in the second half. the tariff impacts in the back half of last year.”

“My biggest question is really on margins. You know, when we look back a couple of years, 14 percent, you know, this year you're guiding to about 12 and a half.”

“First of all, the processing rate within mobility, very consistent with last year. So the first half of last year, about 1.3% yield. The first half of this year, 1.3%.”