MyTf:

If you will learn to do "Conditional Acceptance for Value", you will ALWAYS remain in honor and beat them at their own game. Then, when you are dishonored for lack of answer/reply, you can follow up with a Notorial Protest; or, Fault, Default, then Res Judicata by Default; then, file an Involuntary Bankruptcy against Citicorp. We assure you, THAT will get their attention very quickly! You are looking at a win-win situation here ONLY if you HAVE PHUN!!!!