Unfortunately i earned the large balance of TY the old fashioned way(mtvU(Forward) and something else (eventually forced into premier) over years before i started taking a harder look at all this. The TY on Hers is light MSing (enough to cover normal monthly expenses through bluebird) My hope is that since the MSing is on Her card (not joint) the large balance on mine is protected.

that chase suite is more than enough points to book the iad-lax RT.

Thanks for the insight.