I have received some information on the OPT-OUT item I sent to you earlier this week. Some of the info in the announcement isn't quite accurate. You can get a better explanation of it by going to the following web site: http://www.snopes2.com/inboxer/pending/credit.htm The basic info is correct, IMHO from what I read here, and if I were you I'd still want to OPT-OUT. Regards, Henry S. Winokur
