This is somewhat off topic, but American Express Business is offering a great sign up promotion right now. Spend $5000 in first 3 months and get a $500 credit. Not too difficult in this hobby. 1 NIB pin and you're covered. No catch. No annual fee. If you're a business owner with good credit, you may want to look into this. In my case 10 minutes to apply = $500 off my next NIB pin (hopefully GOT!). Not too shabby.