I'm sure you deserve a "baby carriage die" Ina!
I started scrapbooking very many years ago - probably 20! - was introduced to rubber stamps and card making in '05 I think it was. Couldn't be happier about that.
So, I'm making my "list" of credits and I have a question for you all. If I assign a credit to a card, for example, how many credits equal a dollar? I'm thinking 5 credits = $1.00