But the fact that we already see spend above pre-COVID levels, and obviously we still have restrictions in place, particularly around T&E on consumers' ability to spend. When that comes back, we do think that we'll see spend tick even higher, and that will be, you know, that will be a point where perhaps we'll start to see that relevering.

Apr 14, 2021 / CFO / receipt, needs a key / Jennifer Piepszak, CFO | earnings call 2021-04-14 | transcript bc0b443e-5e29-484c-b780-9de9291e5070 | chars 31345-31686 | segment 32