Short at will. All the pie sky people thinking V would blow the street away and smoke all consensus figures will be ripped a new one. You can stick a forward P/E of about 36 on this right now, and that's IF the consumer doesn't pull back on the plastic swiping (a very big if). And I love how the CEO says they're looking for net income increase of 11% to 15% YoY. Not exactly confidence inspiring, and certainly not worthy of a high multiple. If (when) the consumer pulls back, as utility bills, gasoline, and rising grocery and finance costs bury them, and they sit helplessly and watch their home values vaporize, that P/E is likely to swell to probably something closer to 50. See ya.