However, before you say bully for me, I brought up these facts to report that the rep did say they were told Mr. Mehta was staying three weeks ago and the company wasn't cutting back on increases and subprime markets. Then she said they were told last week that Providian is cutting subprime, increases and Mr. Mehta was resigning. She also said there are takeover rumors but was told not to worry.(!) Yeah, right. I think management has a spin going and a takeover seems a real possiblility based on my conversation with the rep and her claims on what management said. It's creepy how information from the top is sent to the lower rungs on the ladder. The other shoe may drop very soon.