Can you start by telling the listeners about yourself? And please tell the listeners more about what kind of data Visa collects and how do you build shopper profiles and partnerships with banks and retailers? Give us an overview of the company approach to it there.

Steve, thank you so much.

Thank you for having me.

I'm excited to see you, to be on your show.

Thank you.

First and foremost, let's talk about me and my background.

So I work in several industries, in retail, syndicated data companies like Sercana.

And moving away from the travel example, so presumably you're also seeing, for instance, within food and beverages, you're seeing, do you get to see data about what flavors the SKU level is, or are you just looking at the macro trend? So you're seeing what types of drinks people are buying more often or less often, what types of snacks people are using, and that data must be invaluable.