Hopefully, It will work as well as last time. BTW, I can't believe how much more it costs to send cert r/r. $2.98 to $3.74 Ouch! First Premier still has my deposit - Terms say 90 days. I guess that means next month. FNBofM still has my account open - it takes appx 21 days to close the account. Whatever. Then 45 days til deposit returned. hehehe and Roni - I sent FNB of M the extra $10.81 via Bill pay. Also, Roni - is there a minimum late pay that can be rehabilitated. Mine is a 60 day. I forgot to call today. I will tomorrow though Kelly