I wasn't talking mean spirited either... but sometimes my comments tend to ramble onto Off-Topic land and can derail a thread from its original intent.

I still manage to do that somehow, so maybe I need to gauge it even further.

I do remember reading a story of how someone got locked out and had to call someone to unlock their door and they used a credit card to open it along with something else. My obvious question was going to be what card did the person use and if the APR was really low... but I left it alone.