International GrowthAgendaAgenda - Scale of international businessScale of international businessAgenda - Market and opportunitiesEuropean card market characteristicsScale of opportunity - profit poolsMarket characteristicsCurrent European alliancesAgenda - Strategy and competenciesStrategic agendaCore competenciesMulti-domestic European modelAgenda - Spain - a case studySpain - customer number leads to profitabilitySpain profit and loss - J curveTotal international progress and targetsSummary