Almost every single major Retail business in the United States, as well as in foreign countries, accepting the major credit and charge cards has been defrauded of part of their profits by the consumers' fixation with Air Miles. I would say 'every' retailer, but then, there are always those who would disagree and those who would 'opt out' and follow it up with attorney's letters. Therefore, let us say that it's 'close to 100%'.