I'm not familiar with some of the terminology you used, but your explanations helped clarify things for me."

Based on data from Mastercard and other providers, your statement about Black Friday spending in U.S. retail stores being muted this year with a more robust rise online is accurate. Here's a more detailed breakdown of what happened on Black Friday in 2024: Key Findings: * Overall Spending Increased: According to Mastercard SpendingPulse, U.S. retail sales excluding automotive rose by 3.4% year-over-year on Black Friday (November 29, 2024) compared to Black Friday 2023. This indicates that Ameri