data point: still active but i have no formula. i've been active 3 or 4 months. mostly just BP out quickly, but a couple of swipes here and there. loaded 3k one month, 1k the next, etc. no clue why i'm not dead but i only really use it when i max out other methods so i guess i'll hang on. tempted to go out in a blaze a fire but not inspired yet. i'm at $1 for the fee.