Firefly, I guess the recent news re: "the stay granted until the Visa appeal" explains a lot. The reaction by the Visa VP sounded like a full sized load of B.S. I think AXP should make some attempts to publisize this issue more, and make consumers aware of how Visa drives up the prices of everything. Also, I remember reading that Wallmart was going to sue Visa. Have you heard anything about this?