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How many cards for “buy 9 get the 10th free” loyalty programs do you have in your wallet?  If you’re like most people, you have plenty of them.  But, does the punch card really make you loyal to that brand?   Do you rush out to tell your friends how great the brand is (a sign of true loyalty) or do you simply buy enough to get the free product? These incentive-based “buy one get one free” loyalty programs are so yesterday.  It&rsquo....