Well, I think you still have quite a bit to go on T&E, and especially as corporations start to bring back their T&E spending as well. And T&E spending is up in every single segment that we have. I mean, we talked about total T&E up 39%, the consumers up 30%, you know, commercials up 41%. it just keeps growing. And, you know, we talked about international up 50, 59%. So we still think we have more room to grow.

Apr 20, 2023 / CFO / receipt, needs a key / Jeff (AXP CFO), CFO | earnings call 2023-04-20 | transcript 327afe3f-6ad7-459e-be79-58499488bd97 | chars 48921-49334 | segment 50

And the other thing I'd point about Rezzy, Rezzy's been a really nice addition to our acquisition of new cardholders. who have a propensity to want to eat at restaurants and T&E. So I think you're still going to see very strong T&E throughout this year. It'll certainly outpace our goods and services. And we're getting back. We're continuing to climb back. If you remember, pre-pandemic, we were around 70-30 in terms of our spending, 70% goods and services and 30% T&E. And there really is no reason that should not go back to the way it was. So we think we should have upside in T&A.

Apr 20, 2023 / CFO / receipt, needs a key / Jeff (AXP CFO), CFO | earnings call 2023-04-20 | transcript 327afe3f-6ad7-459e-be79-58499488bd97 | chars 50041-50627 | segment 51