[MattyC]

Peter, no, not at all. I will happily continue to collect. I just think that what sometimes gets lost in the discussion, with there being more than enough (deserved) blame to direct at the card doctors, is the responsibility of the TPGs to keep stepping their game up. That's all.

Often times they do charge way more than $5 for their service. Depending on the value and turnaround time requested, a single card can cost quite a bit more than single digits.

Everyone has their own expectations and tolerance for those expectations not being met. I respect those differences in all of us. To each their own.

That said, I'd love to have bosses or customers who look at my performance when it's off and simply say, 'That's okay, you are doing your best.' It's impossible to quantify or know how hard the TPGs are trying, which makes any healthy debate difficult. All we can see is some of what gets through, and some of what is grossly misgraded. I would actually agree that they get it right the vast majority of the time, so the question each individual has their own right to answer is: what success rate is expected.