So what? I too would prefer the $100 offer to the $50 offer which has been around for years in my email box...Capital One has not changed any meaningful ING/orange spot/Sharebuilder policies that I know about. They have warned me not to hold over $250K to be fully FDIC insured but I think that's probably a luxury problem that won't affect many flyertalkers. Not really relevant to the brokerage side of things anyway. If there's some reason people don't like Cap One well, whatever, they've always treated me right, knock on wood.