out of curiosity or boredom. I was suprised to get a reply back in less than 45 minutes! (they email you telling you a reply is waiting). Wow, thats great service. I didn't have to go through all the bull with voice dial-in, touch-toning, etc, and the response mail was knowledgable and courteous. Let alone quick at this time of night. Great feature, i remember Capital one had this feature for like a day or so a few months back, then it disappeared. I'm impressed.