Question-and-Answer SessionYes. So it's been a year since me and you were together at this conference, and so I appreciate your loyalty of the conference, number one. But maybe you could walk us through. What's in your mind in terms of the biggest success stories for American Express over the course of this year, the biggest challenges you have to overcome to set us up for performance over the next year and beyond?Christophe Le CaillecChief Financial Officer Yes. So good morning, everyone. This year, it's b ...