And, more pointedly, do you know the difference between the two types of points as the program operators see them?? At a recent industry conference I sat in a session where the execs discussed the types of points in their programs and all but split them into "good" points and "bad" points. Well, they did split them, though they used different names to do so. And they really, really, really want to issue more "good" points than not. Which means points from partners, not from air travel. They also believe that shifting the numbers in this manner leads to better yields within the programs and potentially better rewards and higher valuations on the points. We'll see how that plays out over time. I'm betting yes for everything other than travel awards. Not particularly groundbreaking information, but it was interesting to see them put the details out so bluntly.