Point of interest. The next time you are on the phone with a customer service representative please treat that person with the same courtesy as you expect to receive. Canadian people – just because you are talking about an American company does not mean that person at Customer service is in the USA. Stop being so bloody condescending! In the course of a day I will talk to an American any day over someone in Canada! You make me ashamed by your rude behavior! Stop assuming everyone is an American. And the next time you refuse a survey do you realize you may be hurting that agent’s stats? Just my rant.