Believe me, my family uses 100% of it (usually before October).. <img src="/images/graemlins/smile.gif" alt="" /> My wife is a huge numbers person, so she makes sure we use it.. The actual benefit we see is that we can use the all the funds evern before we make all the payments.. So they probably hate people like us.. <img src="/images/graemlins/smile.gif" alt="" />