I went ahead and pulled the trigger yesterday evening. The luv button wasn't working, so I called in to the rep and he submitted it for me. He told me it would take 24-48 for a decision. I was asking for a 5k increase, just to be safe, which would put me at 17.5k. Just so everyone knows, he told me it would be a hard pull on EQ. I'll update with a decision later.