Chase Sapphire Preferred®: Full Benefits Guide

by on Sun July 20, 2014 • 102 Comments

Chase Sapphire PreferredHere is a comprehensive list of benefits — large and small — associated with the Chase Sapphire Preferred® Card . They are subject to change — and please call Chase for the latest details before making decisions based on the coverage. We assume no liability for decisions made based upon information on this site.

The card currently offers a 40,000 point bonus when you spend $3,000 within 3 months of activating the card. We currently rate it the best credit card for airline miles because of its point transfer feature.

Click here for a link to learn more and apply at Chase

Point earning

2 points per dollar spent on restaurant dining.

From fast food to fine dining — all are eligible for 2 points per dollar spent.

2 points per dollar spent on travel.  Eligible merchant categories include airlines, airports, car rental agencies (including truck, trailer, and RV), cruise ships, hotels and motels, timeshares, local and commuter transportation (including trains, buses, taxis/limos, ferries, bridges, tolls, and parking), and travel agencies.

1 point per dollar spent on all other purchases.

One additional point per every dollar spent when you book airfare and hotel accommodations online via Offering the same flight prices you would see at sites like Expedia, Orbitz, Kayak, or the airline websites.

20% off travel when you redeem through Ultimate RewardsSM.

You always get 20% off when you redeem your points for airfare, hotels, car rentals and cruises. For example, a $500 flight requires just 40,000 points. Booking vacation just got a little more enjoyable.

Even more points by using links to online shopping.

Log into and use their links to popular online shopping sites like Macy’s, Dell, Lands End, and Travelocity. Note that this is on top of the other point bonuses, so if for example you booked using the link to, you earn 2x points for a travel purchase plus the current 2x points for using the UltimateRewards link to

Reward options

Transfer points to partners.

Ultimate Rewards points held by Chase Sapphire Preferred® Card cardmembers can be transferred 1:1 to mileage accounts of the following travel partners: United Airlines, Southwest Airlines (as of 1/5/12), British Airways, Amtrak, Korean Airlines, Hyatt, Marriott, and Priority Club. Transfers are generally instant, and can be made to anyone’s account.

Buy merchandise with points.

Thousands of popular items available at

Use points for statement credit.

Purchases made within the last 60 days are eligible for statement credit using points. Each 2,000 points is worth $20 in credit.

Use mix of points and cash for travel purchases.

When you book travel at you can use as many or as few points as you wish toward the cost of the travel. Points are worth $0.0125 each — or 40,000 points for a $500 travel credit on Choose any flight, at any time with no restrictions.

Cash back.

Convert points to cash at a rate of $10 for every 1,000 points, with a 2,000 point minimum.

Gift cards.

Most available at a rate of $1 per 100 points — with minimums of 500 – 10,000 points to redeem. Retailers include Amazon, American Eagle, Applebees, Avis, Banana Republic, Barnes and Noble, Bath and Body Works, Bed Bath and Beyond, Best Buy, Best Western, Bloomingdales, BP, Brooks Brothers, Budget, Cabela’s, California Pizza Kitchen, Carnival, Continental Airlines, CVS, Dave and Busters, Dunkin Donuts, Exxon, Fairmont, Foot Locker, Gap, Hammaker Schlemmer, Hertz, Hyatt, iTunes, JCPenney, Kmart, Kohl’s, Lands End, Lowes, Marriott, Mortons, Nordstrom, Office Depot, Old Navy, Outback, PF Chang’s, Panera, Pier 1, Pottery Barn, Regal, Roy’s, Royal Caribbean, Ruth’s Chris, Saks Fifth Avenue, Sears, SeaWorld, Sephora, Shell, SpaFinder, Starbucks, Sunglass Hut, TGI Fridays, TJ Maxx, Talbots, Target, The Home Depot, The Ritz Carlton, Tourneau, Toys R Us, Universal Orlando, Walmart, Williams Sonoma.

Combine points.

You can combine points earned on your Chase Sapphire Preferred® Card with those in any other Chase account that uses Chase-branded points such as Ultimate Rewards. This includes accounts in your name as well as those in the name of a spouse or domestic partner. There is no fee for the transfer.

Points do not expire.

As long as your account is not delinquent and is active.

Travel benefits

Foreign transaction fees.

No transaction fees will be assessed on purchases made outside the United States.

Travel Delay insurance.

If your trip is delayed by 18 hours or more, you are eligible for reimbursement of up to $500 per purchased ticket for things like lodging and meals. You must purchase the ticket using your card for the benefit.

Lost baggage insurance.

If your checked or carry on baggage is lost permanently or damaged you are eligible for up to $3,000 in reimbursement. You must file a claim within 45 days and must use the card to pay for the travel. This benefit extends to air, rail, and bus travel.

Trip cancellation insurance.

If you must cancel travel via a common carrier due to serious illness or injury to you, spouse, or dependent child (under 19 years old if living at home, under 25 if a full time student), you can be reimbursed up to $10,000 for tickets that are non refundable, and that were purchased in full with the card. This includes tickets purchased using reward points with the card. Deaths of family members (your children, parents / in laws, grandparents / in laws, aunts/uncles/nieces/nephews, guardians) also qualify. Please check with Chase for the latest terms and conditions.

Car rental collision insurance.

This coverage is primary as of July 20, 2014, and offers insurance against damage up to the cost of most rental car vehicles. Include economy through luxury class vehicles, vans that carry less than 7 passengers, and SUVs.

Roadside assistance.

24 hour roadside assistance including limited towing, lost key, and gas replacement is available, generally up to $50 in service value.

Lost luggage reimbursement.

You will be eligible to receive reimbursement for your checked luggage, carry-on luggage, and its contents for the difference between the “value of the amount claimed” and the Common Carrier’s payment, up to $3,000 per trip (in New York, coverage is limited to $2,000 per bag for New York residents), provided the luggage was lost due to theft or misdirection by the Common Carrier.

Hotel upgrades, free breakfast, and $25 credit.

The Visa Signature Hotel Collection includes hundreds of upscale hotels offering room upgrades, free continental breakfast, $25 credit, and 3pm late check-out when you use the card. Details at

Other benefits

Purchase protection.

Within the first ninety (90) days of the date of purchase Purchase Security will, at the Benefit Administrator’s discretion, replace, repair, or reimburse you for eligible items of personal property purchased entirely with your eligible Visa Signature card up to a maximum of $500 per claim and $50,000 per cardholder in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions.

Warranty extension.

As part of Visa Signature benefits, the warranty on items you purchase will be doubled up to one additional year. Register at Visa Signature Warranty Manager.

Free wine tasting.

Over 60 wineries in Napa and Sonoma County offer 2 complimentary tastings per card holder and discounts on wine purchased in person at the winery.

Discounts and free shipping.

Many online merchants offer special discounts and shipping offers for Visa Signature card holders, see this link for details.


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102 thoughts on Chase Sapphire Preferred®: Full Benefits Guide

  1. Jo

    We are going on an ocean cruise in December, 2014. If we charge the cruise costs to our Chase Sapphire Preferred card what is the maximum amount of the cruise costs will be covered?

  2. Eric

    Hello, I am supposed to be going on a trip to Ghana, Africa in November and would be booking my flight soon. With all of the scare regarding the Ebola outbreak (which has not reached Ghana) I was curious if the trip cancellation policy would cover if I needed to cancel my flight due to the spread of diease into Ghana. Thanks


      @Eric- Probably not. They do cover a Quarantine imposed on *you* which makes you unable to leave. But there’s nothing we can see that offers a benefit if you are uncomfortable with travel because of disease risk.


      If it does become serious it’s more likely your airline will cancel the flight (British Airways is already doing this for some places), in which case you would get a refund of your flight directly from the airline. Or the airline may offer a travel waiver.

  3. Bob O

    You might have received this, but I wanted to give you a heads up. Chase is changing the benefits on the Sapphire Preferred Card.

    View the summary here:

    Here is the official program statement effective 9/21/2014:

    Interesting read on travel points. They are going away after 12/31/2015, but if I understand it correctly, Chase will give you 3x points for travel until then. Am I reading this correctly?


      @Bob – Yes, you are reading it correctly. 3x points on Ultimate Rewards travel purchases remains until 12/31/2015.

  4. harley

    what kind of coverage do i get regarding changing/canceling a flight? I am currently overseas and i wish to change my return ticket to an earlier date and chase wants to charge me around $1800!


        @harley – It all depends on the cash airfares available at the time. When you book with Ultimate Rewards it’s like buying a cash ticket. So the airline’s change fees apply (probably about $200 or so a ticket). But the $1800 sounds high. Maybe try another day nearby? You will get charged whatever difference in fare.

        1. harley

          thanks! Btw is there any way to know the cash value of the originally booked award ticket? How can i calculate the difference in fare?


            @harley – Take the points you paid and multiply by .0125. Or, find the confirmation number for the airline you are flying, and pull up the reservation on the airline website. You should be able to see a receipt there. Alternatively, just call the airline directly and ask what the fare was and the change fee on it.

    1. MileCards

      @Jan – There isn’t an exclusion for cell phones with the Chase benefit. But always check by calling the number on the back of your card before relying on it.

  5. Errol

    In May, I used my Sapphire Preferred card to book a hotel room in Italy for next week on Expedia. Now I see that the hotel is almost $200 less in price. Does price protection cover hotels?
    Thanks in advance!

    1. MileCards

      @Errol – Unfortunately no, price protection doesn’t protect service contracts like a hotel room. But might be worth contacting the hotel or Expedia in case they might budge.

  6. Debbie

    I just purchased a cruise for $599 and the price dropped two days later to $449. Does Chase Rewards reimburse the difference if the price drops within a certain period of time.

      1. Debbie

        That is disappointing since, the other members of our group purchased tickets the same day through cruise.affordabletours and they were sent an email with a notification of an refund without even asking.

        1. MileCards

          @Debbie – It might be worth a call to the travel desk at 1-866-951-6592. That’s who handles your cruise booking, and is separate from the ‘price protection’ benefit. Maybe they can check.

  7. Laura LaFrano

    I just made a purchase at a Chinese herb pharmacy in Beijing that I’m not happy with and wish to return a portion of my purchase. Should I refute the charge or what can I do?

    1. MileCards

      @Laura – If they won’t accept the return try calling the number on the back of your card to see if it qualifies for Return Protection. You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year.

  8. Karla

    I recently purchased a flight using chase sapphire preferred and two weeks later the budget Hawaiian airline (go!) said it has I have any benefits or recourse through chase?

    1. MileCards

      @Karla – For all flights that take place after the shutdown Go! has reached an agreement with Hawaiian Airlines to transfer the tickets to their flights. Go! reservations is combing through all of the records and calling passengers individually, but if you want to contact them directly it’s (888) 435-9462. Go! is not going bankrupt, they are owned by Mesa Airlines which is solvent with other operations in the United States so if they can’t find a suitable flight for you they will refund your money directly.

  9. Liz

    My dad is letting me use his Sapphire preferred card to book my flights to Asia. Am I covered with regards to the travel benefits (insurance) even though I am the only one going on the trip and his name is the only one on the account? How does this travel insurance stack up to other insurance packages from third party insurance companies?

    1. MileCards

      @Liz – Always call the number on the card directly to verify coverage, but from what we see in our guides is that yes, you are covered even if he is not traveling because you are considered an immediate family member.

      The cancellation insurance is good, though doesn’t cover cancellations for minor illnesses or work issues. There are some ‘cancel for any reason’ policies you can buy from a third party but they are expensive and often only refund 50% of the cost. They are designed for things like full cruise packages.

      With plane tickets, even without insurance you can use them to book flights somewhere else if you want to, even if they’re nonrefundable. You just pay a change fee of about $200 or so.

      The trip delay coverage is a nice benefit as well that’s typically only included in third party plans, but is included with the Sapphire Preferred.

  10. David

    I currently have a Upromise MasterCard from Barclay’s and am looking to change to a card to start building for a trip for the kids in a few years. I get 1% cash back on everything and lots of other cash back from most of My purchases

    Would you consider the chase Sapphire a better card when it comes to earning better rewards? Is there an online calculator that I can compare these two cards?

    1. MileCards

      @David – Yes, it is a decent card – you can use our CardFinder tool to see where things stack up:

      First thought is another card from Barclays, the Barclaycard Arrival will be helpful since it earns 2% toward travel on all purchases. Since you have a good history with them that may be a good choice

      Where are you looking to travel?

      1. David

        Bring the family to Disney. We spend about $3000 a month on card and payoff every month. Leaning toward the Chase Sapphire but will look into the Barclays travel card

    1. MileCards

      @Bill – Good question. No, trucks and vans that are designed to carry cargo are not covered by this or most credit card collision coverage plans.

  11. Karen Davis

    I am traveling with a friend and I am paying for her packaged tour and airline ticket with my card.
    If she has to cancel due to a covered reason, does the insurance cover her. Her name is not on the credit card, only mine and my husbands.

    1. MileCards

      @Karen – Unfortunately no, it’s only for you and immediate family members:

      “You, the Primary Insured Person, and your Immediate Family Members are automatically covered.”

  12. kevin mc

    I purchased a flight and a cruise thru the chase sapphire preferred card. if the flight is delayed or cancelled due to weather and i miss the cruise. does the card ins cover the missed cruise and the flight?

    1. MileCards

      @kevin mc – Looks like it’s possible. Below is what they say is NOT covered, so appears severe weather preventing the trip could be covered. Of course there are always exceptions but it’s a good idea to call the number on your card as this could very well be covered. They will cover the non-refundable part of the flight and cruise. The flight if delayed due to weather should be fully refundable on its own without the insurance though if you decide not to take it.

      “travel arrangements canceled or changed by a Common Carrier, Tour Operator, or any Travel Agency unless the cancellation
      is the result of severe weather or an organized strike affecting public transportation”

  13. Lesa

    Is this still a benefit for 2013?

    Free wine tasting. Over 60 wineries in Napa and Sonoma County offer 2 complimentary tastings per card holder and discounts on wine purchased in person at the winery.

    1. MileCards

      @carmne – It should if it’s departing from a U.S. port – cruises that depart from the U.S. are required to be considered common carriers as long as they are not charter boats and have a scheduled sailing time.

  14. lisa d

    I am awaiting my Sapphire Preferred card. Can I use the points on any airline I choose? ie; jetblue, united, delta?

    1. MileCards

      @Lisa D: You have 2 ways to use your points for flights. The first is you can transfer the points into your mileage account with United, Southwest, British Airways, Virgin Atlantic, or Korean Airlines, then book the flight using the rules of their mileage program.

      The second is you can go to and use the flight search tool there. Using that, you can book any airline (except Southwest, which does not let its flight show in any flight search tool). Every 10,000 points is worth $125 toward airfare.

      Generally, you will find it costs less points to transfer your points to Southwest for a domestic flight, as every 10,000 points there is worth about $170 toward Southwest flights.

      For big international and first class trips you’ll probably find using United miles costs the lowest number of miles.

      This page has some illustration of what we’re talking about:

  15. Evan

    For Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards, is it 20% off the purchase price or do your points go 20% further when you redeem with points through Ultimate Rewards? For example: if I buy airline tickets that cost $1000 and I have 40K points. Is my out of pocket expense $300 [$800 ($1000 - 20%) - $500 (40K pts x $0.0125)]? Or is it $400 [$1000 - $600 (40K pts x $0.0125 + 20%)]?

    It’s not clear to me how the 20% off travel is applied. Although, I guess this really only matters when you are paying partially with points and the other credit. Any help is much appreciated. Thanks!

    1. JenJ

      Is it possible to obtain a World Elite MasterCard version for the Sapphire Preferred? If not, what Chase cards carry the WEMC?

  16. Karen

    How does the Sapphire Preferred Cancellation insurance compare to a commercial insurance plan (i.e. TravelGuard)? Is the coverage as full and as faithful? I am taking an expensive trip and the Cancellation insurance policy costs $500, I am for the trip with Sapphire Preferred card. Do I need to buy the commercial insurance or will the Sapphire cancellation insurance provide the same coverage without a fee?

    Thank you,

  17. Janell

    Does the trip insurance with the Sapphire Preferred cover if the trip is canceled due to ‘civil unrest’ in the area your are traveling or if the flight is canceled by the airline due to strike? What if a plane delay causes you to miss your cruise departure? Will I be refunded the price I paid for the cruise?

    Of course, all paid for with the card.

    1. MileCards

      @Janell – The trip insurance only covers missing transportation due to serious illness or injury to you, your spouse, or dependent child. Strikes, civil unrest, and other non-health related matters don’t qualify. The one instance that does is if the transportation provider completely goes out of business.

      Cruises you miss due to a flight delay are not covered – as that is not a result of serious illness or the airline going out of business.

  18. Pat

    I bought my air tickets through a different card, but if I buy my tour package with this card, will travel insurance be covered? Specifically, I am traveling to Kenya and want to get travel medical insurance. Is that included?

  19. Annette

    I wanted to know if the many trip-related insurance plans you provide will be applicable if an airline ticket is purchased through a combination of frequent flyer points and cash (charged to the Sapphire card)? Specifically, United airlines offers the option to book their award travel tickets with United Mileage Plus points + cash (the amount of cash required varies depending on routing and seat availability). If I pay for my airline ticket with United award points + cash (with the cash portion charged to my Sapphire card) — will I still be eligible for trip cancellation insurance, baggage delay insurance, etc.?

  20. Lear

    Does the roadside assistance apply to my own car or it only applies to the car rental with the card?
    For example, if my own car has a dead battery in the parking lot, can I call for this service?

  21. tracy

    I bought airline tickets for my elderly parents to go to Europe in June, however, my mom just fell and she would not be able to travel in June. I bought their tickets with the Chase Preferred saphire. Is it a qualified trip cancellation?

    1. MileCards

      @Tracy- For her, if she is unable to travel at all, and they deem it serious, yes for her. Unfortunately for you probably not as it’s only for children who are dependents under 25 in school. Best to call the number on your card and they’ll connect you with the folks who handle this.

      Also, you may want to consider contacting the airline directly as well. With a proper doctors note they will let you waive the change fee and rebook the flight at a time when you are able to travel.

  22. Terra

    Does Chase Preferred Sapphire’s trip delay or cancellation coverage extend a delayed flight because I am travelling with a pet in the luggage hold and the weather is too cold?

    Thanks much.

    1. MileCards

      @Terra – We called them and they said unfortunately no, that is not an event that qualifies. The flight itself has to be delayed or cancelled.

    1. MileCards

      @Marcy – The standard Visa version does not. However you can request to apply for the MasterCard version. That one has in the past, but unfortunately you don’t find out the exact benefits details until you receive the card.

  23. gregillinois

    We are using card for hotels and rental car in Mexico. In Mexico they do not honor your primary private insurance. Since yourcard provides secondary coverage will they cover or should I use an Anex card?

    1. MileCards

      @gregillinois – Mexico is a country where the collision coverage applies. Note that liability (harming other property or persons) is not covered with this or any credit card.

  24. Megan

    Hi! Do I have to go through Ultimate Rewards to redeem my miles or can I book on any website? I confused about the process of redemption and how other airlines/website recognize my miles.

    Thanks so much!

    1. MileCards

      @Megan – You need to go to and use the travel search tool there to book ‘any airline’ travel using your Ultimate Rewards points.

      You also have the option to transfer your points into miles with a specific airline like United or Southwest. In that case, you would then book using that airline’s website for miles tickets.

  25. David

    While I was traveling home from vacation (paid for with Chase Sapphire Preferred CC), my iPhone was lost/stolen prior to boarding a connecting flight. (iPhone bought with Chase SPCC last November). Is there any way this was covered? I don’t have other travel insurance or phone insurance.



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  27. ChristianCD

    Can I transfer my Sapphire miles into Lufthansa ‘miles and more’ miles ?
    If not, can I use Sapphire miles for Lufthansa flights ?


    1. MileCards

      @Christian – You can’t transfer them directly to Miles and More. However you can transfer them to United and from there can redeem for Lufthansa flights.

  28. Lynne

    I switched from United Mileage Plus to get the benefits of the Chase Saphire for air miles. However, with United I received a monthly update on how many miles I earned that month. From Chase Saphire I have received nothing, ever. How do I know how many points I have earned and how do I redeem them for air miles?

    1. MileCards

      @Carlo- Yes, it will for collision damage. However for personal liability for injury to others or other property you will need to purchase a separate liability policy from the rental agency, or your insurance company.

  29. frank

    So if I reserve a non refundable rate hotel, that is prepaid, Will the sapphire card fully reimburse me if I am unable to use the reservation due to an emergency?

    1. MileCards

      @Frank – The way we interpret it, looks like the cancellation insurance is only for transportation tickets on a common carrier, like a plane, bus, train, or boat. Not for lodging.

  30. Mac

    I see there are no foreign transaction fees. Are there any other fees charged such as a currency conversion fee for non USA purchases (I.e. Europe)?
    Also, what rate do they use for currency conversions.
    Finally, could I also get and use the mileage plus explorer card (for car rentals)?

    1. MileCards

      @Mac – Yes, you can get both the Sapphire Preferred and Mileage Plus Explorer cards. As for the foreign transaction fee, there is a floating rate for currency conversions, it’s not specified, but when others have surveyed it’s been minimal versus the prevailing exchange rate. In other words, they didn’t jack up the currency exchange rate to offset the ellimination of the foreign transaction fees.

  31. Freddy

    Do you know when we would receive the 7% dividend bonus? I’ve been a Preferred member since August and I just received my first statement of 2012. No dividend yet.

    1. Freddy

      According to Chase, the dividend is paid out the first or second statement of the calendar year. Since my statement cycle ends in the first half of January, looks like I won’t be paid out until my February statement.

  32. John

    Skyler, great question, I was just about to ask that, and regarding France, as well.

    “Car rental collision insurance. This coverage is secondary to any insurance you currently carry, but offers insurance against damage up to the cost of most rental car vehicles.”

    If I use the Chase card to pay for the rental in France, do I need to purchase they car rental company’s CDW and/or LDW insurance, as well? What about Theft Waiver insurance?

  33. skyler

    Hi, I would like to know if I have this card, does that mean I don’t need to buy the insurance during car rental? Would it be covered by this card automatically if I pay with the card and does it cover globally (particularly in France)? Thanks in advance

  34. Winny

    Chase Sapphire℠ Preferred Card

    1. if I have 50000 points, do I get 500.00 cash or 625.00 airline credit? or both?
    2. Is the point is equal to mile? If I have 50,000 points , would I be able to get 2 domestic tickets(50000 miles) ?
    3. If the point doesn’t equal to mile, then what is the conversion of points to mileage? How many points to get a domestic ticket?
    4. What is the 7% annual points dividend means? does it mean more cash back to me every year?

    1. MileCards

      @Winny…some answers for you..

      1. It’s your choice. You can apply them as up to $500 in credits against items on your statement, or use it to purchase up to $625 in travel using their online travel booking site.
      2. Yes, the points are also equal to miles. You can transfer them directly to United / Continental airlines miles, which offer domestic tickets for 25,000 miles roundtrip.
      3. The conversion of points to miles is 1:1 for United / Continental, British Airways, Korean Airlines, Amtrak, Hyatt, Marriott, and Priority Club
      4. The 7% annual points dividend simply gives you 7% more points at the end of each year. So if you earned 100,000 points during the year, they will add 7,000 points to the total each year. You can use that as cash statement credit, travel, or conversion to miles. And the dividend still comes even if you’ve already spent points you earned during the year.

  35. George

    Just called Chase Sapphire preferred and they told me they don’t have the 10,000 point annual bonus. Each year you spend $50,000 or more on the card

    1. MileCards

      @George — Thanks for pointing that out. They had replaced the 10,000 point annual bonus with the 7% annual point dividend, but we had both listed. It’s updated now.

  36. DeltaFlyer


    I live in Minneapolis which is a big hub for Delta, so I almost exclusively fly on Delta.

    With this card’s 1:1 point transfer to partners, is the Delta SkyMiles program one of these that are eligible for the 1:1 transfer? Are there fees to transfer points?

    When I spend 3K during the first 3 months and get the 50K point bonus, could I hypothetically immediately transfer those points to Delta?


    1. MileCards

      @DeltaFlyer – Delta mile credit cards are exclusively with American Express.

      So if you want 1:1 transfer to your Delta account you need one of the cards with Membership Rewards (Green, Gold, or Platinum cards) or the Starwood Preferred Guest credit card.

      There is a 50000 point intro bonus for the Gold American Express though right now it’s for the business version of the card.

  37. Nina Cantor

    I wanted to know what kind of trip cancellation insurance and travel emergency services you offer. Is it only in effect when you have charged the trip to the Sapphire credit card or is it universal when you hold the card no matter how/where you have done the bookings? Thank you.


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