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Sanjay Sakjrani – Keefe Bruyette & Woods: I just had a quick clarifying question on the add-on products, were they sold in the first quarter and that $24 million is that a good run rate of what will not reoccur on a go forward basis. I guess secondarily just on the private label portfolio, that shrank a little bit relative to deal announcement, and even since you have acquired it, could you just talk about your expectations going forward in terms of growth and maybe the same for the broader portfolio? Thank you.
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Richard D. Fairbank – Founder, Chairman, and CEO: Sanjay, I think, probably a good round number estimate for the ongoing impact of this the forgone revenue of this tranche of customers is about 10 basis points on an ongoing basis. A declining function when I look out next year for example, though that’s the kind of neighborhood of the revenue impact. Again, there are two revenue impacts just to call to your attention for a second. One is the lost revenue from the customers we’re remediating, that’s round number of 10 basis points on the domestic card revenue margin and then we will forgo revenues related to future sales of payment protection and credit monitoring because we’ve chosen to stop selling the product. The revenue impact of this choice is harder to predict because as we’ve learned over the last few years credit margins are really driven by competitive dynamics in the marketplace once you get there. On the private label partnership portfolio there were over 20 partners in this deal and some partners through the process of closing this deal have – we have separated from several of those, nothing that’s a really material impact there, and this phenomenon of assessing each partner and making sure that our partnerships as we continue to renew all these contracts over time are focusing on really great partners that are very focused on making the private label credit card a centerpiece of their franchise that’s where we’re going. So, we feel very excited about the partnership business and as a general update, things are going very well with our early relationship building with the partners and getting – we’re basically reviewing one contract at a time and many of these contracts are multiyear and like free agents, there is always a few free agents coming up every year. We got – a couple of them we’re still working on; but overall, I think we’re off to a great start with the partnership business and we look forward to the growth opportunity in that business. Then you would – go ahead. Do you want to talk about growth overall?
Gary L. Perlin – CFO: I wanted to just make one other mention here, Rich. This is Gary, Sanjay. The other thing to keep in mind and you saw it over the course of the last year, as our partnership book started to build prior to HSBC with Kohl’s and other partnerships, there is an exaggerated amount of seasonality in balances in a lot of these retail partnerships. They tend to ramp up more at the end of the year and in the first and second quarter you see them out run off a little bit faster. So keep that in mind going forward as our partnership book starts to grow.
Christopher Brendler – Stifel Nicolaus & Company: Just a question, you reported I think the spending growth for the quarter at 11% including Kohl’s. I believe it was mid to high-teens last quarter. Anything unusual in spending trends? Are you just seeing a pronounced slowdown among your customers?
Richard D. Fairbank – Founder, Chairman, and CEO: No. I mean, there is a pretty strong seasonality effect with respect to spending. But no, I don’t think we see anything overall of note. I think, we continue to see really strong traction with respect to our new transactor focused products. The spending numbers that you see are a blend of retailer numbers, and the private label, and the general purpose credit card spending on our portfolio as well.
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