You are right for that. My idea might be it would be the same as if you used a little then you won or lost a little too bad. So if you use most of the points you win or lose the bigger is terrible. In line with this, it depends on the economics of your cash oversight. Next you need to need a great system that will support it. In this way, if your capital grows bigger. At that time, you can combine your many uses and multiply them into double the benefits.