A word of advice... if you're one of those people that pays the bills at an electronic payment location, don't stay up the whole night until noon or 1:00 pm, fall asleep, and expect to get to the payment place by 5:00 pm (the deadline). I haven't appreciated green lights this much in a long time. Time of payment? 5:00 on the dot. One minute later I would have been out $230. Scary, huh?