Our card purchase volume dropped from $1.5 billion last month to about $1.37 billion this month. Active accounts fell from 2 million to 1.9 million, transactions per active account stayed at 10, and the average ticket went from $75 to $72. How would you break down the decline, and which driver matters more?

我们信用卡上个月刷卡总额15亿美元，这个月掉到约13.7亿。活跃户从200万降到190万，每户每月还是刷10笔，单笔金额从75美元降到72美元。你会怎么拆这个下降，哪个因素影响更大？