something else that's out of the norm for american express in the quarter, an increase in delinquenciysa modest one but still for a company that's supposed to have and be the gold standard when it comes to high end customers, some of the highest net worth in the word. this is a bit surprising. amex noted there's going to be a tougher road ahead on the earnings call. >> there is still a lot of work to do. it remains a challenging economic competitive regulatory environment. so we are intensely focus on executing the plans we have in place. >> reporter: but the good news is they raise their guidance for 2017 and their stock is up 14% since the election because they're expecting more people to spend this year and under the trump presidency. back to you. >> thank you very much. how do you feel about amex. >> it's okay. they started turning things around before the election, the costco thing is obviously very huge for them, but that's been a while. so hopefully that's the last we've seen of it. i'd rather have j.p. morgan and master card than american express. >> right. american express to m