I just finished my last churn and will be on a hiatus for the next year as I gear up to buy a new house. Taking time off though has got me thinking about how much more knowledge I have about consumer credit and the banking industry than before I started. To play this game well you need to learn those things. I am better off for it and not just because I get to travel for dirt cheap. My credit score is also higher today than when I started 3 years ago. It is going to be hard to sit on the sidelines for a year. I guess I can work on manufactured spending. Maybe I will start a letter writing campaign to ask CVS to open a store in Portland.