Value Growth vs.   Cards
   (in $ bils)  Prior Year  (in mils) 
  1997  (negligible)   
  1998  $12-14   
  1999  $19    25-35%   NA 
  2000  $24-25   25-35%   NA 
  2001  $30-32  25-33%   100 
  2002*  $36-38   15-25%   115
  *Estimates.    
  Source: Bain & Co., CCM
 

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