i am lookinghe way at that segment is, i do not care where people show up, look in visa -- visible gainm a transaction, whether it is internet or in bricks and mortar stores -- visa will gain from a transaction. ramy: you are saying that people whether they go to brick and mortar or whether they go online. we are seeing folks buying things. how will visa break out of this? >> if you look at the overall chart, i look at this as a pause in the visa trend. visa has gone up 300% in the last five years and is now unchanged. we have been trading between $70 and $80 for the last year. $75 and weeks, between $80. a breakout of $80 could lead to $90. so i am looking at the $75 level, and i think visa has a lot of potential. people are still shopping and spending money, but competition is so great. every neighborhood in america has the exact same stores. it has been very homogenized. ramy: thanks so much for joining us. david: breaking news here -- there was a shooting on west executive drive outside the white house. house currently on lockdown. the press office pointing out that the president is