That pretty much illustrates the problem for AA's MM program. Here's someone with 5MM in his account that would have been less than half as much under the new rules. As a AA loyalist who expects to qualify for EXP each year for the foreseeable future, the current MM program is not terribly useful to me because it will take so long to earn lifetime Plat, the first level I'd really value in retirement. If they added EXP at 3MM or 4MM, I don't think I could ever get there myself, but there'd still be lots of lifetime EXPs, based on the old earning structure, competing for my current benefits.