The San Francisco Chronicle said today that: Standard and Poors downgraded Providian 's credit rating from BB+ --- it fell 2 full credit risk levels to BB-. Think of those investors that bought bonds, CDs, through PVN then suddenly have money locked up for 5 yrs - and cannot withdraw without losing interest... Again PVN screwed EVERYBODY - and the investors got their backs covered more than the cardholders. Howlllllllllll.......I normally don't howl, but this is Howloween. arrrrffff - dogman