The variance between AZEO and all accounts with non-zero balances reported is usually around 14-16 points. If someone pays their statement balances in full and just allows things to report naturally, perhaps half of their accounts would have balances. That being said, the benefit of micromanaging/AZEO over just letting things happen naturally may be more like 7-8 points in most cases, which when you think about it really isn't all that significant.
