Apology accepted, I am not a troll. See my prior posts. They should clarify matters. BTW, this post was just an IDEA, put forth for discussion. Some took it personal. I am not 100% sure if this is a good idea or not, but it is an issue worth discussing rationally w/o insults.
I checked. You're one of the good people. Nice to know you :)
Still disagree about the credit card issue...