We have credit card product called a student first. When the cardholder turns to the ripe old age of 24, the intent is to then change them from a student credit card into our regular card account program. In many ways, this is a lateral move. Currently, our card agreement does not state that at age 24 they will be moved out of this product. So, my question, would we be able to move a person from student card to regular card as long as we give a 30 day notification? Or might it be a 45 day advance notification? Or could we even get away with just sending our cardholder a letter, say 10 days before we change it, as a courtesy?