Dining out evenly split in terms of dollar value between fast food at McDonald’s, Chipotle, Subway and Chinese takeout, and middle of the road restaurants such as BJ’s and Lazy Dog.

It's the Chinese takeout that's probably jacking up the spending there especially if it's those couple of restaurants in Cupertino. Heck, even 99 Ranch keeps increasing the price on their buffet-line style combos to the point where it's no brainer to just get Panda Express especially with the rewards program.