JJJ, what you've said is definitely true regarding the Alaska cards. Those were being repeatedly exploited to no end, and we've all heard that MBNA is now enforcing the one-at-a-time rule for that card. I haven't heard any datapoints to suggest that this is true for the BW Card as well, though you're right that it's probably best practice to be more conservative than before when it comes to MBNA apps going forward.