Thank you. No need to apologize. I think I’m just lucky. 9 years post, but I’ve heard about longer for some. Perhaps let DH use the Amex that you out him as AU for a while and let it report. Even though I am technically not responsible for debt on the Amex as an AU, I’m trying to be deligient and also making payments to it. I can only hope that Amex will see that as some form of financial independence. Lol