Yes its their unique approach to the market. I'd drop it too if mobile pay vaporized. I keep thinking that the only reason it can kind of survive is that AR pts aren't exactly growing on trees in other ways. If you MS you get shut down, and there isn't this whole tree to get points from unlike the big 3 bank systems which have lots of ways to earn. So people get some decent return on their normal ongoing organic spend....but that's it.