Credit Card Industry

I had a twofold question number one you mentioned American Express earlier. I was curious as to whether the fact that credit card usage is only 10% of all transactions and that may continue to grow for some time going forward was a factor in your decision. The other part of the question pertains to the durability and permanence of the banking franchise with regard to alternative delivery channels that may appear over the next few years including the possibility of the Microsoft Intuit merger. Charlie I've got nothing to add generally speaking maybe Coca-Cola can have a negative equity but I don't think it would be a good idea for general motors. Edward Barr likes to Kentucky.