Chase Sapphire Lounges Locations, Hours, Access Rules, & Amenities: Complete Guide

Chase Sapphire Lounges by The Club is the lounge network that’s operated by Chase, intended primarily for those with the Chase Sapphire Reserve® Card (learn more) and Sapphire Reserve for Business℠ (learn more). The network currently has nine locations, including in Boston (BOS), Dallas (DFW), Las Vegas (LAS), New York (JFK & LGA), Philadelphia (PHL), Phoenix (PHX), San Diego (SAN), and Washington (IAD).

In this post, I’d like to take a close look at everything you need to know about Chase’s airport lounge network, which is operated in collaboration with Airport Dimensions. Chase Sapphire Lounges really offer an incredible experience, among the best you’ll find at any airports in the US, with both buffet and a la carte dining, excellent cocktails, and some special amenities at some locations.

In this post, I want to cover everything you need to know about the Chase Sapphire Lounge network, from the entry requirements, to locations and hours, to amenities.

Link: Learn more about the Chase Sapphire Reserve® Card or Sapphire Reserve for Business℠

Chase Sapphire Lounge access & entry rules

The Chase Sapphire Lounge by The Club portfolio has unique entry requirements. These lounges are intended primarily as a perk for those with the Chase Sapphire Reserve® Card (learn more) and Sapphire Reserve for Business℠ (learn more).

All Chase Sapphire Lounges have the same entry requirements, as follows:

  • Those with the Chase Sapphire Reserve or Sapphire Reserve Business can access the lounge an unlimited number of times, with up to two complimentary guests; this same policy applies for those with the J.P. Morgan Reserve Card and the Ritz Carlton Credit Card, which is no longer open to new cardmembers (the Ritz-Carlton Credit Card used to allow unlimited guests, but that’s no longer the case)
  • Eligible cardmembers can bring in additional guests beyond the two complimentary ones for $27 per guest
  • Lounges can be accessed either with your physical eligible credit card, or with the Priority Pass membership that’s associated with that card
  • Those with a Priority Pass™ membership issued through any other means, including through cards like the Capital One Venture X Rewards Credit Card (learn more) and American Express Platinum Card® (learn more) (Enrollment required), no longer receive any access to Chase Sapphire Lounge locations; these memberships used to offer one lounge visit per year, but that has been cut as of August 15, 2026, so is no longer a perk
  • If you don’t have access to Chase Sapphire Lounge locations, you can outright buy it for $100 per person per visit, subject to availability
  • Chase Sapphire Lounges are generally only accessible within three hours of departure, and can’t be used as arrivals lounges; the exception is that you can access lounges up to five hours in advance if you are on a connecting itinerary (meaning you are between an arriving and departing flight)
  • Regardless of how you access Chase Sapphire Lounges, children under two years old enter free, while all other children would need to either count as a guest or pay an entry fee

This is an excellent network of lounges, and it could be a good value to add authorized users to the Chase Sapphire Reserve, as they get the same lounge access privileges as the primary cardmember. Meanwhile authorized users on the Sapphire Reserve Business don’t receive any sort of lounge access (but they can also be added to the card with no additional annual fee).

Lastly, I should mention that while the Chase Sapphire Preferred® Card (learn more) is a great product, it doesn’t offer any sort of lounge access.

Lounge seating and decor at the Chase Sapphire Lounge by The Club at New York LaGuardia
Chase Sapphire Lounge by The Club New York LaGuardia (LGA)

If you’d like all of the above about Chase Sapphire Lounge access requirements in an easier to read chart, see below. 😉

Access methodChase Sapphire Lounges
Chase Sapphire Reserve / Sapphire Reserve Business / Ritz-Carlton CardUnlimited visits
Complimentary guestsUp to two free guests (plus children under two years old), and $27 for each additional guest
Not otherwise eligible for accessMay purchase entry for $100/person, subject to availability
When can you enter?Within three hours of departure, or within five hours when connecting
Chase Sapphire PreferredNo complimentary lounge access

Chase Sapphire Lounge locations & amenities

There are currently nine Chase Sapphire Lounge locations, and they’re all in the United States. On top of that, there are at least two more in the pipeline. I should also mention that there used to be a Chase Sapphire Lounge Hong Kong (HKG), but that closed in January 2026, as it was rebranded. Furthermore, there used to be a Chase Sapphire Terrace Austin (AUS), and that closed in March 2025, as the airport has other plans for the space.

I’ve been lucky enough to visit five of these lounges, so let’s go over the details of each location below, and I’ll post them in alphabetical order based on airport name. Before I do, below is a chart with the basics of the lounge network, including the airports, locations, hours, and approximate size.

AirportLocation in airportHours of operationApproximate size
Boston Logan (BOS)Between Terminal B and Terminal C5 a.m.–11 p.m.11,500 sq ft
Dallas Fort Worth (DFW)Terminal D, near gate D255 a.m.–10 p.m.18,000 sq ft
New York JFKTerminal 4, just past security, above gate A25 a.m.–11 p.m.7,600 sq ft
New York LaGuardia (LGA)Terminal B, near the Eastern Concourse (gates 40–59)4:30 a.m.–9:30 p.m.21,800 sq ft
Las Vegas (LAS)Terminal 1, Concourse C, between gates 23 and 244:30 a.m.–11 p.m.4,600 sq ft
Philadelphia (PHL)Connector between Terminal D and Terminal E5 a.m.–10 p.m.20,000 sq ft
Phoenix Sky Harbor (PHX)South 1 Concourse of Terminal 44:30 a.m.–10:30 p.m.3,500 sq ft
San Diego (SAN)Terminal 2 West, between gates 46 and 475 a.m.–10 p.m.10,000 sq ft
Washington Dulles (IAD)Concourse A, near gate A146 a.m.–10 p.m.5,200 sq ft

Chase Sapphire Lounge Boston Logan Airport (BOS)

Here are the basics of the Chase Sapphire Lounge Boston Logan (BOS):

  • The lounge opened as of May 2023
  • The lounge is roughly 11,500 square feet
  • The lounge is open daily from 5AM until 11PM
  • The lounge is located between Terminal B and Terminal C

The BOS Chase Sapphire Lounge is gorgeous, easily the nicest lounge at the airport. In terms of food & drinks, the lounge has seasonal menus featuring dishes from Sarma, local roasts from Atomic Coffee Roasters, a curated wine list from Parcelle, and craft cocktails, with both a buffet and QR code ordering for food.

The Chase Sapphire Lounge BOS amenities include a taproom with local beers on tap, shower suites, a relaxation area, massage chairs, a family and kids room, and a nursing room.

Read my review of the Chase Sapphire Lounge Boston Logan.

Seating area inside the Chase Sapphire Lounge by The Club at Boston Logan airport
Chase Sapphire Lounge BOS
Lounge interior at the Chase Sapphire Lounge by The Club in Boston Logan
Chase Sapphire Lounge BOS

Chase Sapphire Lounge Dallas Fort Worth Airport (DFW)

Here are the basics of the Chase Sapphire Lounge Dallas Fort Worth (DFW):

  • The lounge opened as of July 2026
  • The lounge is roughly 18,000 square feet
  • The lounge is open daily from 5AM until 10PM
  • The lounge is located in Terminal D, near gate D25

The DFW Chase Sapphire Lounge is the latest addition to the network, and it appears to be among the best. In terms of food & drinks, the lounge has seasonal menus featuring dishes from Encina, local roasts from Cherry Coffee, a curated wine list from Parcelle, and craft cocktails, with both a buffet and QR code ordering for food. This is also the first and only Chase Sapphire Lounge location to have a grab & go food selection, so that’s really fun.

The Chase Sapphire Lounge DFW amenities include a dedicated whiskey lounge with guided pairings and a custom barrel selection. There’s also a dedicated wellness zone with Face Haus facials, shower rooms, and resting pods. The lounge also has a family and kids room, a nursing room, and areas for working.

Interior of the Chase Sapphire Lounge by The Club at Dallas Fort Worth airport
Chase Sapphire Lounge DFW
Seating and decor at the Chase Sapphire Lounge by The Club in Dallas Fort Worth
Chase Sapphire Lounge DFW

Chase Sapphire Lounge New York Kennedy Airport (JFK)

Here are the basics of the Chase Sapphire Lounge New York Kennedy (JFK):

  • The lounge opened as of January 2024
  • The lounge is roughly 7,600 square feet
  • The lounge is open daily from 5AM until 11PM
  • The lounge is located in Terminal 4, just past security, above gate A2

The JFK Chase Sapphire Lounge is actually operated in partnership with Etihad Airways, as the former Etihad Airways Lounge has been taken over and renovated. Because the lounge is operated in partnership with Etihad, first and business class passengers, as well as Etihad Guest Platinum and Gold members, also get access to the lounge.

The Chase Sapphire Lounge JFK is a bit smaller than most of the others, but still has beautiful decor and an excellent selection of food, with ready to eat and a la carte options (including halal options). There’s also a bar with cocktails, as well as cold brew on tap, with Joe Coffee partnership for coffee.

The lounge doesn’t have much in the way of other amenities, though. The only other major features would be the shower rooms and prayer rooms.

Read my review of the Chase Sapphire Lounge New York Kennedy.

Seating area inside the Chase Sapphire Lounge by The Club at New York JFK Terminal 4
Chase Sapphire Lounge JFK
Lounge decor and seating at the Chase Sapphire Lounge by The Club at New York JFK
Chase Sapphire Lounge JFK

Chase Sapphire Lounge Las Vegas Airport (LAS)

Here are the basics of the Chase Sapphire Lounge Las Vegas (LAS):

  • The lounge opened as of December 2025
  • The lounge is roughly 4,600 square feet
  • The lounge is open daily from 4:30AM until 11PM
  • The lounge is located in Terminal 1, Concourse C, between gates 23 and 24

The LAS Chase Sapphire Lounge is the second smallest in the network, and it has 87 seats, spread across two floors. In terms of food & drinks, the lounge has seasonal menus featuring dishes from Momofuku, local roasts from Dark Moon Coffee Roasters, a curated wine list from Parcelle, and craft cocktails, with both a buffet and QR code ordering for food.

The Chase Sapphire Lounge LAS amenities are fairly limited due to the lounge’s small size. The lounge does have a champagne parlor, where travelers can enjoy sparkling drink selections by bar cart service, including glasses of champagne, mimosas, and seasonal spritz cocktails, as well as passed bites, to their seat.

Seating area inside the Chase Sapphire Lounge by The Club at Las Vegas airport
Chase Sapphire Lounge LAS
Lounge interior at the Chase Sapphire Lounge by The Club in Las Vegas
Chase Sapphire Lounge LAS

Chase Sapphire Lounge New York LaGuardia Airport (LGA)

Here are the basics of the Chase Sapphire Lounge New York LaGuardia (LGA):

  • The lounge opened as of January 2024
  • The lounge is roughly 21,800 square feet
  • The lounge is open daily from 4:30AM until 9:30PM
  • The lounge is located in Terminal B, near the Eastern Concourse (leading to gates 40-59)

The LGA Chase Sapphire Lounge is a two-story stunner that will make you feel like you’re not at an airport. The lounge features seasonal menus featuring dishes from Sailor, craft cocktails by Apotheke, curated wines by Parcelle, Joe Coffee self-serve and barista made options, and a tea selection.

The Chase Sapphire Lounge LGA amenities include a play room for kids, a nursing room, an arcade, two relaxation chairs, and a Face Haus spa, offering complimentary 30-minute treatments on a first come, first served basis.

This lounge also has the Reserve Suites by Chase, consisting of three private rooms that can be reserved in blocks of three hours. If you book this, you’ll receive a dedicated suite attendant, a special menu from Jeffrey’s Grocery, a personal bathroom with a shower, a signature caviar service upon arrival, a special wine list curated by Parcelle, a fully-stocked snack and refreshments center, and a gift prior to departing. The cost? $2,200-3,000, depending on which room you select.

Read my review of the Chase Sapphire Lounge New York LaGuardia.

Seating area inside the Chase Sapphire Lounge by The Club at New York LaGuardia airport
Chase Sapphire Lounge LGA
Interior of the two-story Chase Sapphire Lounge at New York LaGuardia
Chase Sapphire Lounge LGA

Chase Sapphire Lounge Philadelphia Airport (PHL)

Here are the basics of the Chase Sapphire Lounge Philadelphia (PHL):

  • The lounge opened as of February 2025
  • The lounge is roughly 20,000 square feet
  • The lounge is open daily from 5AM until 10PM
  • The lounge is located in the connector between Terminal D and Terminal E

The PHL Chase Sapphire Lounge is the second biggest lounge in the network, and sets a new standard for lounges at the airport. In terms of food & drinks, the lounge has seasonal menus featuring dishes from Middle Child Clubhouse, local roasts from Elixr Coffee, a curated wine list from Parcelle, and craft cocktails, with both a buffet and QR code ordering for food.

The Chase Sapphire Lounge PHL amenities include a beer garden with craft beer, a game room with retro arcade machines, private rest pods, facial treatments from Face Haus, a family and kids room, a nursing room, and private phone booths.

Read my review of the Chase Sapphire Lounge Philadelphia.

Seating and lounge interior at the Chase Sapphire Lounge by The Club in Philadelphia
Chase Sapphire Lounge PHL
Another view of the Chase Sapphire Lounge by The Club at Philadelphia airport
Chase Sapphire Lounge PHL

Chase Sapphire Lounge Phoenix Airport (PHX)

Here are the basics of the Chase Sapphire Lounge Phoenix (PHX):

  • The lounge opened as of November 2024
  • The lounge is roughly 3,500 square feet
  • The lounge is open daily from 4:30AM until 10:30PM
  • The lounge is located in the South 1 Concourse of Terminal 4

The PHX Chase Sapphire Lounge is the smallest lounge in the network. In terms of food & drinks, the lounge has seasonal menus featuring dishes from Gallo Blanco (available at the Airstream), local roasts from Press Coffee, a curated wine list from Parcelle, and craft cocktails, with both a buffet and QR code ordering for food.

The Chase Sapphire Lounge PHX amenities are limited due to its small size, but include private bathrooms. However, there are no showers, spa facilities, or family or kids rooms. I should also mention that this used to be the one lounge in the network that would accept reservations in advance, but that’s no longer the case.

Interior of the small Chase Sapphire Lounge by The Club at Phoenix Sky Harbor airport
Chase Sapphire Lounge PHX

Chase Sapphire Lounge San Diego Airport (SAN)

Here are the basics of the Chase Sapphire Lounge San Diego (SAN):

  • The lounge opened as of December 2024
  • The lounge is roughly 10,000 square feet
  • The lounge is open daily from 5AM until 10PM
  • The lounge is located in Terminal 2 West, between gates 46 and 47

The SAN Chase Sapphire Lounge is without a doubt the best lounge at the airport. In terms of food & drinks, the lounge has seasonal menus featuring dishes from Oscars Mexican Seafood, local roasts from Groundwork Coffee, a curated wine list from Parcelle, and craft cocktails, with both a buffet and QR code ordering for food.

The Chase Sapphire Lounge SAN amenities include a wellness area with bookable private rest pods, on-demand digital meditation from Devi Brown, and facial treatments from Face Haus, along with a family and kids room, as well as a nursing room.

Seating area inside the Chase Sapphire Lounge by The Club at San Diego airport
Chase Sapphire Lounge SAN
Lounge interior at the Chase Sapphire Lounge by The Club in San Diego
Chase Sapphire Lounge SAN

Chase Sapphire Lounge Washington Dulles Airport (IAD)

Here are the basics of the Chase Sapphire Lounge Washington Dulles (IAD):

  • The lounge opened as of March 2024
  • The lounge is roughly 5,200 square feet
  • The lounge is open daily from 6AM until 10PM
  • The lounge is located in Concourse A, near gate A14

The IAD Chase Sapphire Lounge is operated in partnership with Etihad Airways, as the former Etihad Airways Lounge has been taken over and renovated. This is a similar arrangement to what you’ll find at the New York JFK location, so Etihad first and business class passengers, as well as Etihad Guest Platinum and Gold members, also get access to the lounge.

The Chase Sapphire Lounge IAD is a bit smaller than the others, but still has beautiful decor and an excellent selection of food, with ready to eat and a la carte options. There’s also a bar with cocktails, as well as cold brew on tap, though it doesn’t have the same culinary collaborations as the other locations.

The lounge doesn’t have much in the way of other amenities, though. The only other major feature would be the shower rooms and prayer rooms.

Read my review of the Chase Sapphire Lounge Washington Dulles.

Seating area inside the Chase Sapphire Lounge by The Club at Washington Dulles airport
Chase Sapphire Lounge IAD
Lounge interior at the Chase Sapphire Lounge by The Club in Washington Dulles
Chase Sapphire Lounge IAD

Future Chase Sapphire Lounge locations

In addition to the nine Chase Sapphire Lounges that are currently open, there are firm plans for at least two additional Chase Sapphire Lounge locations to open. Specifically, here are the planned Chase Sapphire Lounges we can expect, in the order that they’re expected to open:

Note that while there are also plans for a Chase Sapphire Lounge Seattle (SEA), that hasn’t received formal approval from airport authorities yet, so that’s not yet a given.

My take on Chase Sapphire Lounges

When details of Chase Sapphire Lounges were first announced, I was skeptical. After all, they’re run in partnership with The Club, and they were initially partially open to Priority Pass members (but not anymore, unless the Priority Pass membership is through Chase), so I figured the quality of the lounges would reflect that.

Well, I sure was wrong. Chase has done an amazing job with its lounges so far, and they just keep getting better. The food and drink selection in Chase Sapphire Lounges is top notch. Food options include both individually plated options that you can grab from a buffet, plus some a la carte options.

Plated food and buffet options at the Chase Sapphire Lounge in New York LaGuardia
Chase Sapphire Lounge by The Club New York LaGuardia (LGA) food
Food selection on display at the Chase Sapphire Lounge in New York LaGuardia
Chase Sapphire Lounge by The Club New York LaGuardia (LGA) food

The drink selection is equally impressive, with signature cocktails, and some lounges having barista made coffee and cold brew on tap.

Bar and drink selection at the Chase Sapphire Lounge in New York LaGuardia
Chase Sapphire Lounge by The Club New York LaGuardia (LGA) drinks

The entry requirements for these lounges have also been streamlined a bit, which makes things more straightforward. Now they’re just open to those with cards like the Chase Sapphire Reserve and Sapphire Reserve Business, while I think it was confusing when other Priority Pass members were entitled to one lounge visit per year.

How do Amex Centurion Lounges & Capital One Lounges compare?

Chase is only one of three card issuers in the United States to have a robust credit card lounge network. How do Amex Centurion Lounges and Capital One Lounges compare? Here’s how I see it:

  • Amex Centurion Lounges have the benefit of being by far the largest lounge network, as there are currently 33 Centurion Lounges globally, with 16 of those being in the United States; that being said, in terms of food and amenities, I’d say it’s probably the least impressive lounge network nowadays
  • Capital One Lounges have the benefit of being really high quality, and consistently have an excellent buffet selection, as well as grab & go food and drinks; there are also two Capital One Landings, which is basically like an airport restaurant that cardmembers get access to, so that’s very cool

I think one thing worth mentioning is that the premium credit cards from American Express and Capital One no longer offer complimentary guesting privileges at their lounge networks without reaching a certain spending requirement, while Chase Sapphire Lounges do, so that’s a major advantage. Below is a brief comparison of the lounge networks.

Lounge networkNumber of locationsMain access methodGuesting policy
Chase Sapphire LoungesNine locations in the United StatesChase Sapphire Reserve (personal or business)Two free guests, $27 for each additional guest
Amex Centurion Lounges33 locations globally (16 in the United States, 17 abroad)Amex Platinum Card (personal or business)No complimentary guests without reaching spending requirement, $50 for each guest
Capital One LoungesSeven locations, including Capital One LandingsCapital One Venture X (personal or business)No complimentary guests without reaching spending requirement, $45 for each guest

Chase Sapphire Lounge frequently asked questions

How many Chase Sapphire Lounges are there?
The Chase Sapphire Lounge network currently has nine locations, with two more officially in the pipeline, and several more likely to eventually be opened.
Where are Chase Sapphire Lounges located?
You’ll currently find Chase Sapphire Lounges in Boston (BOS), Dallas Fort Worth (DFW), Las Vegas (LAS), New York Kennedy (JFK), New York LaGuardia (LGA), Philadelphia (PHL), Phoenix (PHX), San Diego (SAN), and Washington Dulles (IAD).
Why do so many major airports not have Chase Sapphire Lounges?
One common question is why airports like Atlanta (ATL), Chicago (ORD), Denver (DEN), etc., don’t have Chase Sapphire Lounges. While airport lounge networks are always looking to grow, the short answer is that finding airport real estate can be really difficult, which is why it often takes many years for credit card companies to secure sufficient lounge space.
Which credit cards offer Chase Sapphire Lounge access?
Chase Sapphire Lounge access is intended for those with the Chase Sapphire Reserve, Chase Sapphire Reserve Business, J.P. Morgan Reserve Card, and Ritz-Carlton Credit Card.
Does the Chase Sapphire Preferred offer lounge access?
While the $95 annual fee Chase Sapphire Preferred is a great card, it does not offer access to Chase Sapphire Lounges, or any other lounges.
Does Priority Pass offer Chase Sapphire Lounge access?
A Priority Pass membership doesn’t offer Chase Sapphire Lounge access, unless the membership is issued through the Chase Sapphire Reserve, Chase Sapphire Reserve Business, J.P. Morgan Reserve Card, or Ritz-Carlton Credit Card.
Can you buy access to Chase Sapphire Lounges?
If you’re not otherwise eligible for Chase Sapphire Lounge access, you can buy it for $100 per person. This is on a space available basis.
How long before departure can you access Chase Sapphire Lounges?
Chase Sapphire Lounges can be accessed up to three hours before a flight’s scheduled departure. The only exception is that if you’re on a connecting itinerary, you can access Chase Sapphire Lounges up to five hours before departure at your connecting airport.

Bottom line

Chase is continuing to expand its airport lounge presence, with the Chase Sapphire Lounges by The Club concept. The network now has locations in Boston (BOS), Dallas Fort Worth (DFW), Las Vegas (LAS), New York Kennedy (JFK), New York LaGuardia (LGA), Philadelphia (PHL), Phoenix (PHX), San Diego (SAN), and Washington Dulles (IAD), with more lounges expected in the future. It’s exciting to see this network grow.

When it comes to accessing Chase Sapphire Lounges, the primary way to do so is by having the Chase Sapphire Reserve or Sapphire Reserve Business, in which case you can visit the lounges an unlimited number of times, with up to two guests. Other Priority Pass members no longer receive complimentary access to these lounges, though they can purchase access for $100 per person.

Fortunately the quality of these lounges is exceptional, and they’re among the best credit card lounges out there, in my opinion.

What do you make of Chase’s airport lounge concept?

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SBS Diamond

Two weeks ago the 3-hour limit at JFK was NOT enforced - they did ask me to show a JFK arrival boarding pass (separate ticket). On the other hand, on that day kitchen was not operating, so all they had was coffee in paper cups, cold sandwiches and bagels on paper plates. Not the first time this happened at a Chase lounge, either. Ended up going to two other Priority pass lounges in T4. Virgin Atlantic looks cool, has paid food that theoretically you can order via a QR code. Payment link was broken, could only order free coffee and snacks that were brought to the table. Air India looks basic but I was finally able to get some hot food. If you like Indian food (which I do), it's not a bad place at all.

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BBT Guest

So you pay $795 up front every year for the privilege of standing in line for 40 minutes, so you can spend an hour plus in their lounge, even when you have a long layover. If people still keep coming back for more (renewing this card) you cannot blame Chase for mistreating their customers. The problem is the customer that happily signs up for such shabby treatment,

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Samar Diamond

@lucky the Sapphire Lounge PHX has “doubled” in size after recent construction. Can’t find an exact square footage, and haven’t checked it out yet, but the new space should be open.

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travelingposer Platinum

I’m convinced that Chase is going to up the additional guest fee — $27 is almost negligible for most cardholders and is well below what Capital One and Amex charge for guests at their own lounges (not even accounting for 2 free guests with the CSR). I think it’s stuck around for so long due to the partnership with Collision/Priority Pass — and how it is just simpler to have a consistent guest price policy (plus, almost no one in their right mind would spend a sum more than $40 for access to a Priority Pass lounge). I’d think at a minimum it’s going up to $35 for additional Priority Pass guests to adjust for inflation — and would be exactly in line with Amex and Capital One (but most likely $45-$50 to be in line with Cap1/Amex for their own operated lounges if they find a way to completely separate entry from Priority Pass — which they’ve already started doing by accepting physical CSR cards as a method of entry). It’s only a matter of time — it just depends on Chase riding out any contractual obligations they have.

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cadroe of the seventeen stones Guest

when i was living in BOS and the lounge was new, it was awesome. these days living in SAN half the time i get waitlisted and the other half i get in but the food has gotten truly dire. it's a good concept, but unfortunately even $800 a year is a low enough bar that they're perpetually overloaded.

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