Called back and talked to Mr. Cook. He said he would need to check some things out and would get back to me on Wednesday. Wednesday came and went without any contact from Cap 1. Yesterday I called after Mr. Cook left for the day and left him a voice mail asking to return my call to see if he had found out anything. I did not receive a call or e-mail today so I called before 5 eastern time. Mr. Cook did not answer the phone so the rep gave me his voice mail. Left another message, but still no call back. Is it possible Mr. Cook will reply by mail? Should I just wait and see what happens? I hear so many here have had success with PFB and the follow up call to Cap 1.