The General Services Administration has posted the 2003 edition of the Consumer Action Handbook as a PDF file. It's 18 megs -- probably too big for a regular modem, but I downloaded it in a couple of minutes (128k/sec fast!) with my cable modem. Here's the link: http://www.pueblo.gsa.gov/crh/handbook.pdf This comprehensive publication includes all types of consumer-oriented tips, spells out consumer rights, etc., including credit as well as a whole range of consumer issues. Contact numbers and addresses are provided for every consumer-relevant government office and agency as well as corporate contacts for private companies of practically any consequence. Finally, here's a great web-based directory of corporate contacts as well: http://www.pueblo.gsa.gov/crh/corpora.htm Doc