As long as you're throwing out numbers, what's the overall impact of capturing CC up front on the whole funnel vs. when trial ends? Obviously you'll get more trial -> customer conversions if you capture CC upfront, at the cost of people in the top of the funnel, but in general, which is better when you step back to overall lead -> customer rates?

I bought your lifecycle email course, btw, and I'm just getting started working through it. I'm especially interested in this question if you assume that the lifecycle email approach is being maximized during the trial (in either scenario).