I understand.. and I may go that route... but I've been burned that way before. Around about July, unless there's something pressing, I tend to think I'll just let it sit there until Christmas shopping season. If I don't get to an REI then (and I usually don't), then a couple of weeks later- poof! It all reverts to REI. That's happened more than once, with small amounts.<br><br>For that matter, if you don't want to wait until July, you don't have to. Buy one small item in the store, use the coupon, and they give you the balance of the dividend in change.<br><br>The problem with camping and hiking gear is not so much that I have EVERYTHING (though I must be getting close- the garage is packed) as REI's selection. It takes about a half hour to drive to the nearest one- then they never have any shoes that fit (no widths), the packs and tents are too garish, a third of the stuff in the catalog is not in stock, etc. etc.<br><br>And, of course, there is always one more knife on the list- never mind that there must be 200 around here already- but it's seldom one of the ones that they carry. Their selection is pretty limited, and seems to have been chosen with one eye on the PC police. With knives, it's also hard to conscience paying 40 percent or more over internet prices.<br><br>In fact, I've killed the credit card (not my membership) that generates practically all of the dividend, so this is very likely the last year it will be a question. And I am intrigued by the YB300.<br>