Synchrony(SYF) - 2023 Q4 - Earnings Call Transcript

Got it. And just to follow up on the new expense ratio guide, I know in the past you've given more of a quarterly dollar amount. It seems like you might be implying a pretty very low single digit type expense growth next year. Is that right and where do you think you're kind of gaining some efficiencies from here? Is it on marketing, lower comp, et cetera? Brian Wenzel Yeah, so first of all, on the switch to really efficiency ratio, Jeff, if you recall a number of years ago, we were actually on efficiency r ...