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Greetings: I needed to be issued a PIN number and managed to survive phone tree interrogation and a transfer to my credit union. Mission accomplished. Marbled through my general sense of pleasure and satisfaction is the grim awareness that Visa has contracted for THE worst elevator/on-hold instrumentals in poorly-recorded history. Really: the stuff was downright painful. I'm actually happy that all I can hear now is the ringing in my ears from having worked without ear protection with too many power tools early in my career as a carpenter. (See: 'Lenny Hoy, The Early Years', pages 35-51 inclusive.)


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