Total volume $9,806 $9,208 $8,789
Average credit card receivables $2,169 $2,108 $2,076
Average credit card receivable investment 434 422 415
Credit segment contribution4 40.9% 38.2% 36.6%
1 Subtotals and totals may not foot due to rounding.
2 As presented in Note 16: Segment Reporting in the Notes to Consolidated Financial Statements. 
3 Volume represents sales plus applicable taxes.
4 Credit segment contribution, net of tax, calculated as a percentage of our average credit card receivable investment.