I avoid CY's at ALL costs, there would have to be a HUGE disparity in price for me to go to a CY

FI's are pretty standard (as are CY's) and are acceptable. you know what you are getting (like CY) and I like them for what i Pay (unlike CY)

CY's were a great concept but they (MI) totally blew this one big time from the start.

if this brand were to disappear (CY), it would be addition by subtraction