OK - this could be fun. Lets all email this to all our friends, then EXACTLY AT 5:00 EST (2:00 pm PST), we all apply for a new PROVIDIAN CLEAR CARD! Let's see, everyone emailing their friends, internet worldwide exposure, 20 million clicks at the same time for Providian. READY - this should be fun! Maybe 1 person will get a 9.99% rate! LOL! I am kidding, of course, LOL. But the idea is hilarious! They would have to put CEO Shailesh Mehta on the phones! arrrrffff - Dogman