Let me take those one at a time, Cheryl. On hedging, so we do some foreign exchange hedging but it’s really about frankly helping us have a clear view from a planning perspective within a quarter. It helps us know what the FX impact is going to be. In essence at the beginning of a quarter we do a bunch of hedging that unwind as you get to the end of the quarter. So, you’re not further impacted by anything that happens in the quarter. That obviously has zero impact on our longer trend or on the year-over-year declines. And as we think about doing any other kind of strategy longer term to hedge, our conclusion at the end of the day is that, we think there is value in the diverse set of global businesses we have we think in the long run; the currencies go up and down and tend to equilibrate over time and that the frictional costs and frankly the volatility that the accounting drives for any longer term hedging strategy has caused us to shy away from it. So that’s how we think about hedging. On the U.S., obviously we’ll have to see where the economy goes as we get into the rest of the year. I think it’s fair to say from our experience in the first quarter, we haven’t started to see estimates of GDP growth in the U.S. or elsewhere, but I think when we look at our own experience and some of the external data around retail sales and we look at what’s happening to gas prices, when we look at some of the immediately somewhat anecdotal stories we hear in our corporate card business, it suggests to us that it was certainly not the most robust of quarters for economic growth. So really in that environment for us to want to adjust for FX in last year’s business travel, get to 5% revenue growth, we actually feel pretty good about. When you think about the rest of the year, you’re correct. I mean we’re up about OptBlue; it is a multiyear effort. I want to be clear that when Anre Williams on our team first talked about it at the February financial community meeting last year, we talked about it in the context of sort of 2015 to 2017. In that vein, we are encouraged that we actually signed up 400,000 merchants in 2014 and that was sort of before we told you, we start to ramp the program much. So we do think as we get into the latter part of 2015 that we should begin to see a meaningful benefit from OptBlue and we remain very encouraged by it. We obviously remain very encouraged by lots of other things in the market. Our steady growth in the U.S. of growing our lend portfolio, we expect to be able to continue and we think we’re doing that without materially changing the risk profile of Company by really focusing on capturing a fairer share of our card member spend. We’re excited about our continued efforts around broadening the reach of the brand with things like the everyday card and we’re excited about things like Plenti. And if you haven’t focused on it, I’ll point out to you, we are going to launch a Plenti cobrand which we think will be a very interesting play as just one more step on our pathway of broadening the demographic reach of the brand and the franchise. So, we’ll have to see where the economy goes and what the environment does but those are probably some of the things we’re thinking about as we look at the rest of the year.