We've got members of the program living in some 34 different countries outside of North America. It's not based on where you live, just where your miles live. We've been working on extending the airlines we cover to include many other programs in Asia and Europe and still working on that, but it's very tedious.

As for not covering Chaper 11, the reason that is because in that case, the airline is acting as normal. You can continue to redeem awards and fly the airline, so there's really noting to take action on, other than the fact that airlines going out of business always go through Chapter 11 first. As for the airline dropping their program but keep flying - that has never happened and the odds are it never will. Programs tend to follow airlines. For instance, when Legend Airlines went out of business in the last year, it's frequent flyer program followed it out of business and all members lost their awards - too bad since they had that double miles for life promotion. Midway is one of the more unusual casualties of the indistry because some of you may remember that right before they closed their doors, Northwest had agreed to purchase them and everyone was joyed. When Northwest out of the blue changed their mind, Midway closed the very next day. There are no certainties in this business. I actually support legislation that miles and awards are a tangent liability and should be covered in any bankruptcy situation. I have yet to find many people that will support my position.

Anyway, hope your questions have been answered. Post any others if not.