Welcome to the light side Chuck. Like taking off a band-aid, it hurts at first but with RB3 around the corner now is the time or you're just going to be going further down the hole. I know this isn't the place for it but since HB opened the door to RB deals (and she pretty much rulez this place), Amazon has 1600 point cards on sale today. That will help with the sting a little.

http://www.amazon.com/Xbox-360-Live-...9123956&sr=8-1