That’s why I was wondering if the suggested cutoff should be ‘98. Lot’s of original MFJ people in ‘98.
Seems to me you could go either way and not be hurt too much. I would tend to doubt 100% of the 1998 signups are still around anyway (no slam intended here). People check things out and move on. It might not add as many people as you think to include the 98s. It would be interesting to run some figures on that.