No worries. I thought it was an interesting perspective as well. I am not sure I agree with the author's opinion, but I am glad you posted it so I could read it.

I think we are going to see credit card companies trying to recoup some of those costs by increasing the annual fees of these reward cards. As you know, we will continue to play the game (which is why this article is very relevant to FT) and try to maximize our rewards while continuing to minimize our costs because that's how we do. Thanks for posting it.