Another item that crossed my mind after rereading this thread, is that sometime back, I received a "free phone card" that was given to me at work as a thankyou or "attaboy" recognition. I placed it in my wallet and figured that one day I'd use it, a year later, the day came, I pulled it out to use it, removed the sticker from the back of the card and suddenly found that it had expired about two months after I'd received it as a gift. I don't have any sour grapes feelings about it, but it did irritate me that the information was not plainly visible on the card. By the time it happened to me, the gift giver have been burned by several of her (the boss) own cards expiring the same way. Live and learn. Thanks to Wayneburg's research and comments on this thread (and the others referenced above, Ditchfield thanks for the link) we may not all have to reinvent the wheel.

Comanche7