[kaushikktiwari]

thanks perspective1! I find overt self-promotion to be distasteful, so glad it came across well. We are using the interchange fees to pay for the $5000 emergency fund, they have to move their direct deposit over to switch "ON" the safety net. We do break even based on our current estimates of annual spend and claims, but looking at a few different ways, upselling insurance is the big one! Will write about it and make sure to post on this comment thread!