So today I'm reading your response to another post, (Saar, love that 'dog and pony show' quote), so I called again. I had a feeling things would go well because the rep sounded SO cheerful. I told her only that my rate was 13.4 (oops) and I was looking for something better. She put me on hold, then came back with 9.9% effective today. Being the skeptic that I am, I asked if it was a promo rate or BT rate, and she said no, it's permanent, but it is variable, and it changes with prime, blah blah blah. The sun in shining in Atlanta, and I am just beside myself. So now my lowest rates are Universal at 8.4, Citi at 9.9, DMB 10.74, and several between 13.99 and 15.9. Thanks guys!!!