Heather, You can email most "regular" users because they have their email "turned on". Which means on most of the regulars you can click on their "handle" (their username) and you will see an option that says "click here to send an email to XXXXX. To email PBM you can click here : Click Here to send an email to PBM YOu can also send email directly to PBM@Creditnet.com All of this information is in the FAQ...for instance the email question is Here Hope that helps. -Peace, Dave
