Hey Marc. Sounds like a great new direction for you and your company. Congrats
Nobody has mentioned this and I hate to be the one to bring it up, but does this have anything to do with Chargebacks, Fines and the AskCs / GIM sites being over the New Visa Limits? We've heard of the New Visa limits but no word on anybody getting hit hard by them. If you did, it may be a serve as a good example for others in the industry to shape up and take a new approach to treating members.