A Brownie-points Millionaire

Beloved has excelled himself today.  Whilst I did not even manage a proper birthday card for him, he produced a Valentine card! Purchased in Wales and brought and concealed from me till this morning. He had to buy before Valentines were in the shops but found a messageless card with a heart. His brownie points are infinite. I'm just a little bothered about what he'll cash them in for because as a former colleague used to say  "you can spend ages building up the brownie point account but when you cash it in you have to remove the whole balance at once" and, of course, if you leave it too long you find you've been paying negative interest.