text: In May 2014, we announced our plan to review options for a potential financial partner for our credit card receivables portfolio. We intend to 
  execute a transaction only if our strategic and financial requirements are met. In the event a transaction is finalized, we will classify the 
  relevant credit card receivables as held for sale, which could result in a gain or loss upon reclassification. 
  
  **Summary**
  The table below provides a detailed view of the operational results of our Credit segment, consistent with Note 16: Segment Reporting in the 
  Notes to Consolidated Financial Statements of Item 8: Financial Statements and Supplementary Data. In order to better reflect the economic 
  contribution of our credit and debit card program, intercompany merchant fees are also included in the table below, which represent the 
  estimated costs that would be incurred if our cardholders used third-party cards instead of ours. 
  
  Interest expense at the Credit segment is equal to the amount of interest related to securitized debt plus an amount assigned to the Credit 
  segment in proportion to the estimated debt and equity needed to fund our credit card receivables. Based on our research, debt as a 
  percentage of credit card receivables for other credit card companies ranges from 70% to 90%. As such, we believe a mix of 80% debt and 
  20% equity is appropriate, and therefore assign interest expense to the Credit segment as if it carried debt of up to 80% of the credit card 
  receivables. Our average credit card receivable investment metric below represents the remaining 20% to fund our credit card receivables. 