 I would say yes. Have you cut up the credit cards? Nope. No, unfortunately not. I, myself, I'll use mine primarily for work-related, which I know, Dave, I've heard you talk about before. I've expressed in my work they should get us all credit cards so we don't have to use ours. Hopefully we can get that approved so I can stop using mine when I travel. Apparently that's not working for you.