In the domestic GFS businesses, the credit performance and drivers are similar to the US Card businesses. For 2008 do you expect to be profitable in your auto division? In the near prime auto space, this is a — I mean, look — auto is a tough business, anywhere we play in the auto space, it is a tough business. The — I think one of the tough things in auto is to try — in a thin-margin business, at a time when the economy is so challenged, it’s really hard to do repositionings, and changes of share, and — in the business, so the subprime business, we feel very confident about that, and that feels good. If I were to comment in general, there has been some industry risk expansion in the auto space, and one of the worries that we have always had — one of the bad things that sort of can happen to — one of the bad things to happen is a overly good credit environment, such as we had in 2006. Read More