I'm going to set up a free little temporary web site where we'll we able to click on links and listen to the voice messages left for me by fellow Creditnet members. If you're willing to participate in leaving holiday greetings for everyone, please call the Message of the Day line and leave your Christmas cheer (Hannukkah happiness; Kwanzaa contentment; Ramadan rejoicing; or whatever works best for you). I'll save the voicemail as small wav files and link 'em up for online browsing in the next few days. The number is free except for your own long distance nickel or dime to Washington state. It's 1-206-337-1824. Yours in Creditnet addiction, Doc