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JayJim--I hope the way the market prices cards going forward is that 8.5s are worth more than 8.0s and 8.0s are worth less than they used to be. That way there is no value created and the system is fine. My sense is that as this year rolls on both 8.0s and 8.5s will be worth less than 8.0s were last year, based on the economy, and seperating out the impact of PSA's actions, everything else held equal, will be impossible.