Or, you know, maybe offer it at other times, too? That was what I was getting at. Other than just 'usually' at the end of the month. If I -had- known that this was the 'usual' time, I would have saved 50 dollars. But, unfortunately, these things happen so rarely, after the 15th of the month (this announcement happened on the 24th, I believe?) , that - ya know - foresight wasn't something that could happen if the money for splurges was already gone. LOL! ;P