I experienced a miracle yesterday! It may not sound like much to you but it sure was to me. Each month a pymt. comes out of my checking acct. for a past due bill. It's pretty unnegotiable but I really needed to have it changed/delayed this month. I called the company, fully prepared to do battle but when the representative pulled up my acct. I could hear him muttering, "I don't understand this! It looks like someone already changed your date, no, no, oh boy did you ever luck out." Then he proceeded to tell me that someone had made a mistake- no payment at ALL was scheduled to come out of my checking account for this month. He checked. He double checked and then he checked a third time. The payment schedule went like this: One-January 31st. Two-February 28th. Four-April 30th.... Three was missing completely!!