Thanks for the explanations regarding phone calls, Arthur and Ken. One of these days, I expect to be charged for BEING charged. Yikes! I already am..."late charges". My latest complaint with the banking empire is the fact they now charge customers for downloading information about personal accounts. Then, adding insult to injury, gripe number two are the charges companies tack on if you don't have the amount owed them automatically deducted from your bank account. While I realize it is a convenient route to take in paying bills, I just don't like having a gun held to my head. "They" call it an accounting fee...but no matter how a bill is paid...some kind of accounting measure has to take place on their end. Perhaps...we need to bring back smoke signals and the old trading post. Clara Nistler [log in to unmask] _