Go ahead, please.I just wanted to understand a little bit on the credit side and the reserving that you did. Non-T&E spending has been recovering at a faster pace than T&E categories, and our small business customers have been the most resilient during the period. Thanks.Yes. To facilitate the increasing number of online transactions, earlier this month, we announced, along with other major payment networks, that we'll begin technical preparations for the international expansion of Click to Pay, a simple and secure digital checkout solution. These are all-purpose cards. Remember, we're a global company.The U.S. is only two-thirds of the business to begin with. He has been a vice chairman of American Express since 2015 and was group president of Amex's global corporate services group before that. Steve Squeri … As a first step, we made $3 million in grants in 2020 to several nonprofits that support the black community.And as part of our recently launched Shop Small initiative, we pledged $10 million over the next four years to fund the coalition with the U.S. Chamber of Commerce Foundation, bringing together the U.S. Black Chambers to provide grants to black-owned small businesses. Marriott has been a partner of ours as they did the Starwood acquisition. And a lot of people, their psychology is they save points for big trips.Another part of the psychology is I want status, and I can get status through spending.

And I think we tend to think about small businesses as the restaurant and the local retail shop. From an acquisition perspective, you don't want to be the spender or borrower here of last resort.And so we have been very, very circumspect about how we keep the channels going and what have you and who we take in and who we don't take in. Thank you.

So, when we look at what's going on right now, and we made -- we gave you, obviously, our disclosure up to almost mid -- sort of mid-July, we see growth in non-T&E, but we see T&E as still being slow.

Thanks. As the virus outbreak hit business volumes, AmEx moved from a largely brick-and-mortar operation to having more than 60,000 employees equipped to work from home and two-thirds of its customer-care professionals working remotely by March end. Like many others, we're taking a hard look at our own practices across our business and developing a comprehensive plan to strengthen diversity and inclusion within the company, while also increasing our support to black-owned businesses and the black community outside of American Express. And of course, in a situation like we're in now, where over time we've been feeding the card acquisition machine, you don't feed it to the same extent that we've been feeding it. So I was curious, is that just driven by slower acquisitions? How are you reacting to that? What -- although I'd kind of step way back. We also continue to look for opportunities to extend our mutually beneficial strategic partnerships, such as the renewal of our long-standing relationship with British Airways that was announced this morning as well as the extension of our agreement with Marriott during the second quarter.Turning to internal changes, we expect to see an increase in the number of colleagues working from home going forward, which will influence how much real estate we need over the longer term. Squeri said employees returning to offices would not be allowed to hold meetings in conference rooms. What we did do is that we slowed our proactive acquisition because there's just not enough visibility into the actual credit quality of applicants. Around the time, we reported earnings last quarter, this metric was up to a peak of $11.5 billion as we saw balances enrolled in the customer pandemic relief program peak in mid-April. But eventually, we'll get back to 2019 levels.You just won't have all that growth that was happening in between. Normally, people should expect rewards to move roughly in line with billings. Historically, we've seen that the credit outcomes of card members that enroll in our financial relief programs are better than those that do not, with around 80% of enrolled balances successfully completing these payment plans.And when you look at the delinquent and FRP balances on our books today, coupled with our historical experience in Card Member payment behavior, we believe that the reserves we have on our balance sheet are appropriate based on what's happened so far. Looking ahead, no one can tell how the COVID-19 pandemic will evolve or what its impacts will be on the global economy.So, we will continue to focus on what we can control, backing our customers, colleagues, and communities, maintaining a tight rein on expenses while seizing opportunities to invest in initiatives that will enable our long-term growth and remain very transparent with all of our key constituents about the trends we're seeing and how they are affecting our business. We've seen really more online spending. I wanted to ask about the impact of bankruptcies on your financial statements.

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