Okay, now that AP has raised redemption fees to be more in line with competition(collusion) and United MP will be bulked up at the end of 2011 as the largest airline FF program; I think UA will be ballsy enough to step into their friendly colluded *A Canadian market to take their share. Since AP's non transparent surcharges are creating so much dissonance with customers, the new United would likely have the rest of the savvy travellers ready to jump onboard. The question is which financial institution would partner. Scotia Bank without a major co-branded airline card yet, may be a potential partner...but is a Canadian oligarchical bank agile enough to realize the potential value. My bet would be a Canadian version of the UA Chase card will appear. Lower odds go to American Express, as an outside contender. Canadian travellers would dump AP pretty quickly to avoid hefty $200 + surcharges.....or ....AP would start competing. As a separately owned co. AP may have to ask itself some questions to keep its position in any case....the AP flight surcharges can't go on forever since the toaster buying rubes will eventually wise up....or will they???? We'll find out in a year....???