rjbob, Many apologoes ahead of time if you took the word "Administration" as Ref to a puplic office. If you did as little as 75/100 CC Transactions either way a day with the NEW underlaying Gov reform laws recently set forth, one would see that it's not a "Good thing Bad thing" but more Gov intervention (because of the CC themselves) that makes it differenlty difficult in order to protect both sides of the transaction and all involved. No need to apolgize on your behalf and hope you are having a great 4th up your way!!!