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“interest rates, if you're capping and if you're…” — Cato Audio at 51:29

“interest rates, if you're capping and if you're eliminating a lot of fees, you're essentially telling those customers the benefits of having a credit card are going to be lower. That's right. And somehow it's being portrayed as somehow that it's wrong to give people those things. And if they're paying for those…”

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