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Posted By: PC

JK: you are correct. In theory, there can be "lost opportunity" (or not) regardless of which direction the card goes in, depending on how other alternative investments perform. In my example, I was only trying to illustrate that opportunity costs can arise from holding a $3000 card for ten years (assuming no increase in market value) -- the same holds true for holding Microsoft stock for the same period of time with no increase (which, if you've owned and held Microsoft since 1999, you know all about it!)