IMAGE DISTRIBUTED FOR THE RITZ-CARLTON REWARDS/E CREDIT CARD FROM J.P. MORGAN - A card member of The Ritz-Carlton Rewards/E Credit Card from J.P. Morgan enjoys an exclusive ski instruction session with Olympic gold-medalist Jonny Moseley, left, at The Ritz-Carlton Bachelor Gulch on Beaver Creek Mountain in Avon, Colo., on Friday, Jan. 25, 2013. Ritz-Carlton card members who attended the private ski experience enjoyed a weekend at The Ritz-Carlton Bachelor Gulch, access to Beaver Creek and a dinner at Spago with Wolfgang Puck. (Photo by Jack Dempsey/Invision for The Ritz-Carlton Rewards/E Credit Card from J.P. Morgan/AP Images)

Associated Press
IMAGE DISTRIBUTED FOR THE RITZ-CARLTON REWARDS/E CREDIT CARD FROM J.P. MORGAN - A card member of The Ritz-Carlton Rewards/E Credit Card from J.P. Morgan enjoys an exclusive ski instruction session with Olympic gold-medalist Jonny Moseley, left, at The Ritz-Carlton Bachelor Gulch on Beaver Creek Mountain in Avon, Colo., on Friday, Jan. 25, 2013. Ritz-Carlton card members who attended the private ski experience enjoyed a weekend at The Ritz-Carlton Bachelor Gulch, access to Beaver Creek and a dinner at Spago with Wolfgang Puck. (Photo by Jack Dempsey/Invision for The Ritz-Carlton Rewards/E Credit Card from J.P. Morgan/AP Images)
IMAGE DISTRIBUTED FOR THE RITZ-CARLTON REWARDS/E CREDIT CARD FROM J.P. MORGAN - A card member of The Ritz-Carlton Rewards/E Credit Card from J.P. Morgan enjoys an exclusive ski instruction session with Olympic gold-medalist Jonny Moseley, left, at The Ritz-Carlton Bachelor Gulch on Beaver Creek Mountain in Avon, Colo., on Friday, Jan. 25, 2013. Ritz-Carlton card members who attended the private ski experience enjoyed a weekend at The Ritz-Carlton Bachelor Gulch, access to Beaver Creek and a dinner at Spago with Wolfgang Puck. (Photo by Jack Dempsey/Invision for The Ritz-Carlton Rewards/E Credit Card from J.P. Morgan/AP Images)
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