OP, are you likely to put $60K on the DR next year? If so, I would apply now, put the 10K MQM in your account now and rollover 9K MQM for next year. That along with 30K MQM from the spend would put you at 39K MQM for next year--before you have 1 BIS MQM. And if you are not going to fly 11K MQM next year, would all of this have been worth it?