We believe this is in part a reflection of consumers shifting their near-term focus from goods to services and travel.

Aug 10, 2022 / CEO / receipt, needs a key / Patrick Spang, CEO | earnings call 2022-08-10 | transcript 52660f9c-2dfc-4100-8a83-d7832dd7c4fc | chars 3259-3377 | segment 3