We are not sure we can add much. The stock is always going to be volatile. Fundamentally, the quarter was fine. The concern on margins was probably overdone, confirmed by the stock's bounce after the dip. There remains questions on the economy and consumer spending and of course how tariffs will influence customers and merchants. The margin shift is likely due to AI-investments, and this will ultimately help the company, we believe, in making consumers more likely to buy. The CC commentary was positive and we have no reason to be really concerned here. It is a high growth company with a strong market share and lots of cash. But it's not cheap and this will result in volatility on any bad news. We would continue to see it as one of the premier growth companies in Canada.
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