...A. And volume for us, I think when you look year-over-year, we're comping against a very strong year, I think you're going to see trends similar to the first quarter, essentially be flat year-on-year. B. But from a receivables standpoint, again, the receivables have held into our expectations really on lower payment rate. C. When you step into net interest margin, net interest margin is largely consists of the first quarter probably down about 10 basis point or 50 basis point, mainly on liquidity. D. And then lastly, I think expenses, up slightly from the first quarter, mainly because this is the bulk of when we've got a lot of our CITs related to E. The bulk of the CIT cost will be here in the second quarter and then the expense for the quarter....
