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I just want to say thank you so much for following the rules. So many times we see people who don't, and still benefit, and so many times we (myself included) complain about those very people. I think, since I've complained about people who don't follow the rules regarding the borrowing of a credit, that I should give equal time to saying thank you to those who do. So, thank you for taking the time to know the rules and for following them. I appreciate it, and I know I'm not alone.