Cheryl, I hate to even mention this because it is such a pain in the ###### but it might be time to get your phone number changed and leave it unlisted.  Sounds like every credit agency in town has it now.  Sorry you have to put up with all that CR@%.<br /><br />BTW, stay out of Boulder today.  I heard that William Ayers AND Ward Churchill will be speaking at CU Boulder about how universities limit free speech.  <img src="http://www.cruisecrazies.com/community/images/forum/tr-emoticons/wacko.gif" style="vertical-align:middle" emoid=":wacko:" border="0" alt="wacko.gif" />   Is that an oxymoron, or just a couple morons? <img src="http://www.cruisecrazies.com/community/images/forum/tr-emoticons/laugh.gif" style="vertical-align:middle" emoid=":laugh:" border="0" alt="laugh.gif" />