I think your tone is not helpful here. The parent isn't attacking you. Clearly US & ROW card markets are wildly different due to various regulations; the struc

I think your tone is not helpful here. The parent isn't attacking you. Clearly US & ROW card markets are wildly different due to various regulations; the structure of the US market and related incentives are pretty unusual. A statement about a US-based experience doesn't & can't translate toe Europe.