Anyway, man, am I getting old and crotchety. I had a Dr. appointment at 10:30. Showed up early, paid my co-pay, waited 40 minutes, finally said I cannot wait, (fulling expecting to eat the co-pay) rescheduled and left. Much to my surprise, the office credited my account. Was a time I'd have waited, and waited and waited. I would have been the Energizer Bunny of waiting,