Actually I am in my early twenty's, but am not (nor studying towards) a degree in neither accounting nor law. When did I say that America was the only country in the world? On the contrary my argument was quite international, especially by bringing three different continents and one less than used credit interchange (in America) into the discussion. I did clearly mention the differences between either side of the pond. I think you are biased because many Americans, mostly the less than traveled (ok, so more than 90% off them have never left the US) constantly boast that the US is the best country in the world, but seeing as I am not American, nor was I born on this continent and have traveled extensively, I actually tend to view America with less than rose-colored glasses. You think that NM is not accepting MC and VISA not knowing that they are not? They know that they do not take MC and VISA, but they do have an alternative: use their website and you can use MC and VISA (and Diners) to make purchases within the continental US. Of course, they have calculated their position and there is a specific reason that they do not take other cards; if the answer were obvious and forthcoming I would have not started this thread. And just because there is a reason (logical to them, of course) it does not make it correct, or fiscally viable. NM makes you play by their rules, if this does not sound familiar, just look at that other wonderful American corporation: Microsoft. Who said being anything was simple? That is really an evasion of realty, saying that it is not simple being wealthy. Being wealthy is easy, people just make it complex, and being poor is complicated. Imagine, living in a 3-bedroom medium sized, in a decent neighborhood apartment with just one car (say a Acura TL), all the while walking around with $250 million in the bank. You have two children, your wife works, you work, and your children go to school. You have friends, go to the same gym, have the luxury to travel extensively and do (and indulge yourself by traveling in either first class or private airplane, staying in five star hotels, etc...), but you still lead a simple life. Are you wealthy? Of course you are with 1/4 of a billion in the bank (lets say you made a lot of smart investment choices during the internet boom for arguments sake). Money has allowed you to simplify your life; it can of course also make your life extremely complex and difficult (with multiple houses, tons of cars, etc...). But, if you are poor, life is ten times more complex, with each necessity a constant struggle, between whether your next meal will come from to where you will sleep tonight, to whether your children will have enough to eat tomorrow and the next day and so on and so fourth. If it appears that I use an American perspective towards an American company and their policy towards intracountry business transactions, well that is the only reason why. Jon.