Operator: Thank you. Our final question will come from Mihir Bhatia of Bank of America. Please go ahead.
Mihir Bhatia: Hi. Thanks for taking my questions, squeezing me in here. Again, congratulations to Christophe, Kerri, and Kartik. I wanted to maybe switch from talking about the card products that the whole call has been talking about a little bit, and maybe just talk a little bit about the non-card products. I think other loans and receivables is now up over $10 billion in total now. It’s obviously been an area where you’ve spent a lot of time investing in. Maybe just talk a little bit about that, both on the consumer and commercial side. Where are you seeing some of the strongest growth? How do you expect that to trend? How much is that contributing to interest yields, and et cetera? Thanks.
Steve Squeri: Yeah, so let me sort of just hit from a strategic perspective of what we’re trying to do and even at $10 billion it’s still a relatively small piece. One of the things we try to do from a small business perspective is to make sure that we can provide a variety of working capital needs to our small business customers. And in that case, it can be non-card loans for working capital, it can be shorter term loans for up to two years or so forth. And I think part of that was the overall Kabbage acquisition that we did to be able to do that because what we wanted to do, and it goes along with what we did with sort of our checking account as well, is we wanted to make sure that we could provide for small businesses a host of products and services from having to check a transaction account, having a lending product, having a charge product, and then having working capital loans.
And so I think that really fits in. But that’s not the driver of growth for us in that segment. From a consumer perspective, what we’ve continued to try to do is to really grow our organic footprint with our consumers. And you can go back in history, it started as a charge card and then we put lending and then we put pay-over-time and plan it within the product and came up with a savings account and a debit product and also a small component of personal loans. And so, we’ve been judicious and careful about how we’ve gone about that. But I think it’s an important add to make sure that our customers are not going to our competitors when they need products and services like that. So that’s the sort of strategic sort of backdrop on why we have that.
Kerri Bernstein: Okay. And with that, we will bring the call to an end. Thank you for joining today’s call and for your continued interest in American Express. The IR team will be available for any follow-up questions. Operator, back to you.
Operator: Ladies and gentlemen, the webcast replay will be available on our Investor Relations website at ir.americanexpress.com shortly after the call. You can also access a digital replay of the call at 877-660-6853 or 201-612-7415. Access code 13740799 after 1:00 PM Eastern Time on October 20 through October 27. That will conclude our conference call for today. Thank you for your participation. You may now disconnect.
