If you have the CSR it's essentially 1.25x PYB which is why a lot of people (for one reason or another) who aren't currently traveling and have been stacking Ink referrals/SUB's can unload on places they would typically spend from gas stations, the warehouse entry this quarter is also a nice touch for those of us that use them, and also the annual fee. 1.25x isn't great but if you aren't traveling it's a nice feature for this demo of people.