is likely going to an Osprey Exos 46 backpack. $119 and change thanks to the REI Visa. Combine that with the 20% member sale, plus the credit from the return of some REI Switchback 'waterproof' gloves (that were not waterproof on two snow camping trips), I should be able to get it for nothing out of pocket. Unless I decided I want a ULA Ohm more, and then I have to wait till June, when I can use the dividend to pay my July CC bill.
I'm finding like others, that thanks to this site, I need/want REI less and less since there are so many boutique outfits making better/cheaper gear, plus, it's nice knowing I'm helping out some guys/gals trying to make a honest living rather than some company paying sweatshop wages in China with mininal quality control.
But I do work 2 blocks from an REI and spend almost every lunch hour there.