Jeff Campbell: Yes. The only thing I would add, I think that is a unique capability we have honed over many decades since we first started the charge card product. The other advantage of the charge card product, I would say, Dominick, is it does give us this population who is supposed to pay us in full every 30 days, which actually is almost like an early warning system from an overall risk management perspective of when there are problems that pop up in various parts of the world or various segments or various customer types. And we think that’s actually helpful to our overall results, and it’s the part of the many things that drives us historically and today to have by far, best-of-class credit metrics.
Operator: Thank you. The next question is coming from Moshe Orenbuch of Credit Suisse. Please go ahead.
Moshe Orenbuch: Great. Sorry to go back to the revenue guide. But Jeff, and I appreciate the 25% revenue growth for the full year, but the quarter was 17%. And between you and Steve, you both said that there was going to be a slowdown, it’s still strong, obviously, but a slowdown in card fee revenue growth and with the comments about margin, probably net interest income. So, I guess is there a part of the revenue base that you think is accelerating in €˜23?
Jeff Campbell: Well, so, two comments. I think it’s a good call out, Moshe. The first comment is as you think about 2021, of course, the base year here, you saw things progressively pick up as you went through the year. So, that’s why each quarter our volumes on a year-over-year basis has slowed a little bit. But we also have pointed out that I think you are sort of through that recovery period now. So, I think what you see in Q4 in our view, is very typical of what you are going to get. Now, the one exception that we do think will accelerate is the net interest income piece, because you do have customers continuing to rebuild balances. So, net card fees probably moderates a little bit. Net interest income probably accelerates a little bit. But your discount revenue should be pretty consistent with what you would have seen in this quarter. And that’s really the model that leads you from Q4 to what we expect for 2023.
Operator: Thank you. The next question is coming from Bob Napoli of William Blair. Please go ahead.
Bob Napoli: Thank you. And maybe some topics that haven’t been touched on yet. And Steve, you called out investment in services and adjacencies, I would say and also, the international piece, expanding your merchant acceptance there. So, just any call-outs on adjacencies, the B2B payments and your €“ how that contributes to your long-term strategy. And then international, I seem to recall Japan being an important market for, you saw some good growth internationally, Japan reopened, China is reopening. Is there acceleration potential in international in 2023?
Steve Squeri: Yes. So, let me hit a couple of these topics and hopefully, I remember the mall that you went through. But look, I think international, we have seen which is really good and just look at the slides, you have seen really good growth from not only a consumer perspective, which is over 20%, but international SME and large corporations are growing at 32%. So €“ and remember, pre-pandemic, those are the fastest-growing parts of our business. So, we expect that to continue to grow, which obviously Japan is part of it and one of our top markets. From an acceptance perspective, we continue to grow acceptance internationally. We are really happy with the coverage gains that we have had, and we will continue to focus on that.
