This has been kicked around the board since last fall when I arrived. What I have read here appears to indicate that new accounts hurt us for a year. I disagree with this. I think they hurt until they go R1, which can be in as little as 3 months. Here is my question? If you get maximum benefit from an account you have had 36 months as has been indicated on the board by some members. Does the 36 months mean 36 months of activity or just owning the account for 36 months whether you used it or not. I think you have to use the account regularly to get the benefit. But I can't prove it. Opinions????