Just thought some of you might be interested in this article, it seems that now that the Government has put Microsoft in it's place they are now going after Visa & Mastercard aledging that the Visa and MasterCard rules are designed to severely restrict competition from companies like Discover and American Express, here's the URL..... http://abcnews.go.com/sections/business/DailyNews/creditcards000612.html A.F. --------------- Free Credit Repair Information! http://www.Creditinsiders.com