As Sloglo would probably put it... Dis be a Bidness. It don't serve no1 to hold the rates down. Seriously though, I think I've avoided most of the common problems w/Big blue by recognizeing that for good or Ill they are a Business.(Now a Larger one ) If their Interests and yours coicide you will profit... If not WELLL.... I suggest trying to find yourself in a position where they do. By the way... As to DD. Inthe current policy, If you already have it and your Bank hasn't changed, the finace wizards will let you keep it . I guess this is phase one of bringing it out across the board.