Yep - few straggler cards remain. My wife does all the MS, but again we're very careful on statement cuts. The WMBP I'm not sure what to think. We did 1 $2K payment on each of the new cards (with the exception of the hilton card) and paid the rest via regular means. If that's enough to trigger AA, then that's a pretty low threshold. And again, many of the cards closed had no WMBPs/activity.