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  "notes": "Contains specific financial metrics regarding FICO scores, NCL expectations, and reserve-to-loan ratios.",
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      "text": "We feel very good about our number 2 position in cards. We tend to focus on the higher FICO score customer base about 80% of the aggregate portfolio with customers with FICO scores of 680 or higher.",
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      "text": "reserve to loan ratio: 7.8%",
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      "text": "MARK MASON: So, look, I feel very good about our number 2 position in cards... [Transcript text regarding portfolio composition, holiday spending, and credit normalization]",
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      "text": "2023 Goldman Sachs U.S. Financial Services Conference Transcript December 6, 2023",
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      "text": "RICHARD RAMSDEN: So let's talk about expected losses in the card business... [Transcript text regarding NCL expectations and macro assumptions]",
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      "text": "We're probably looking at an eight-quarter average for unemployment, that's about 5%. And as you know, when we do all these analyses and different scenarios, there's a downside scenario, but downside assumption is probably close to a 7% unemployment rate.",
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      "text": "Copyright © 2023 Citigroup Inc. 5",
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