and i'm telling you, bourque was right.ur culture is actually harming the most defenseless among us, the children. it is. >> but what's odd is that that was the argument made by bourque and many others, especially in the '80s, when this became rampant, but what's interesting is that many of the inices of social dysfunction, like teen pregnancy, crime, homicide, all these things have gone down over the last 20 years. >> but they've intense phipps in certa certain areas. >> but generally speaking, i agree the culture has become more coarse. there's an effect where the social dysfunction have actually improved. so, i'm not sure we really know the correlation. but i agree with you on the point. you don't want children stoned. you don't want a lot of people in society stoned. i would be very interested. i do think that the states are the laboratories of democracy. and we -- it's interesting that we should study what happens in washington and colorado, because we will see, as it comes in, has this had an effect on addiction to ha

on their merchant net bourque they have a number of issuers who issue credit cards. what we're excited about is this relationship that goes well beyond just issuing cards. but the relationship is about a strategic partnership that provides consulting services. they've helped us with product design as well as with some marketing strategies. their loyalty edge business is helping us redesign our rewards program. there are a number of strategic aspects to this relationship where capabilities across both companies are coming to bear to bring really rich value to the marketplace. >> is it a much better time to be offering a credit card to consumers. in 2008 a lot were pulling back and taking credit away from consumers. are they in a better position to take advantage of this and pay it back? >> absolutely. consumers learned a lot through the crisis as did we as financial services institutions were at the lull from a credit perspective. consumers are spending again and this isn't so much about getting people in debt, as it is to helping them have a way to pay for things and