Agreed. And I think it's important to consider just how small 1% really is. I doubt the fuzzies associated with using the credit card would actually be as small as 1% of the fuzzies associated with a 100% donation -- fuzzies just don't have high enough resolution. So I would fear, a la scope insensitivity, people getting more fuzzies from the credit card than are actually deserved from the donation. If that's necessary in order for the fuzzies to exceed a threshold for carrying out the donation, so be it; but usually the problem is in the other direction: People get too many fuzzies from doing too little and so end up not doing enough.