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  "documentTitle": "Bread Financial  Barclays Global Financial Services Conference",
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      "text": "So, I think, overall, this is working out to be in this tightening phase more benign than many had feared and it is coming towards what I'm hoping is a softer landing.",
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      "text": "C. S. Venkatakrishnan: So, I think, first of all, let's begin here in the United States... The U.K. is not that much different in terms of delinquency behaviour. It is still fairly benign.",
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      "text": "Anna Cross: I think that's right. I mean, one of the things I'd call out is that despite the fact the affordability pressures are really out there – we know that – our customers are acting proactively and rationally.",
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      "text": "Jason Goldberg: Maybe pull up and look from a big-picture perspective, just given in my introduction I talked about Barclays' positioning across the consumer, corporate, payments landscape across the U.S., U.K.",
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      "text": "Anna Cross: Sure. What's really important to us is to deliver a consistent result. Consistent high performance in Q2 was another step along the way. So, we had a great RoTE, at 11.4%, and that brought us to 13.2% for the half-year.",
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