MQMs no longer matter for 80-90% of us; takes some getting used to. Most of us will make a lower level on spend than on miles, if we try at all.

Now, "It's money that matters." (Randy Newman)

http://www.youtube.com/watch?v=P-e4rz-SkVk

Good comments about watching out for rollover loss. Time to diversify, and also burn 'em up. (My early FF years were bumpy, with two CO bk scares.)