@HFT2013 - thanks for sharing your observations - i welcome your advice. Personally i have a flat rate $5 plan with AMTD. The guy who spoke about negotiation is spot on i think. The nature of public forums and society in general is ... any time you make comments or observations of any sort, you had better have thick skin, because more times than not, what you say will be picked apart from every angle. It's just the nature of the beast, it's just what people do. I like to think that most of the vicious comments made on forums are made by folks who simply get caught up in the culture that has come to be. Some would argue that the naysayers discourage and lessen discussions. That may be true for some, but among the majority, the fray actually encourages forum use. Could it be the joy of hate? Go figure! Peace