Good suggestion, +rep. I'll probably make it so I charge the annual fee, but don't take a % for a bit. Or maybe the other way round
oooooh.. cool. Thanks. This is fun. I like how the advice I happily give away free is now earning me points in a merit system that I don't see any apparent value in.
Haha, the rep system is quite useful for me. A bit like when you used to go to primary school and you got a sticker for doing something good. Doesn't really hold much value, but it's a mini reward system