Jeffrey Brinker gets up at half past five and makes cappuccinos for himself and his wife.

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It was a nine-to-five job, and at half past three every day I guarantee you would find me sitting, snoring at my desk.

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Credit cards still make up just over half of Visa's annual volume, but in the past five years that business has grown at a 7% annual clip versus 42% for debit cards.

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