called retention - and they said - ya know Mark LA - you're like sooooo cool and such a celebrity - and like we really want to lower that for you - but we can't yet - cause it still shows up as prime plus 1.99%. So, they tell me to call after my statement closes in the middle of the month and they're going to lower it. will update if they do, in any case - citibank retention # is: 800-444-2568. On a sweeter note: Coming to the end of my 0% for 12 months from Chase - called up about an extension - and - yup - they transfered 4K directly into my bank account at 0% for a year - this time - however - with a $35 bt fee - but it was still a sweet deal. Aside from that - life sucks, getting older sucks, real estate in Los Angeles is crazy overpriced and the BEST BOOK in the world right now is Al Franken's "Lies and the Lying Liars Who Tell Them: A Fair and Balanced Look at the Right"