I see it as giving back too, and no, Sol, I'm not in NY...I'm in a small community in SE Wyoming. Lots of reasons I'm not in NY, but too many people is just one of them.

Some ARE bastards, I agree. The local help can be great and caring but when you have to deal with the Home Office oh my goodness.

I left a message on somebody's machine with Banner Health last week. I spent 30 mins listening to how sorry they were but everybody was busy, and they'd be right with me. Finally got a ring.......

To a voice mail and SHE was sorry too...I said...Well, I'm sorry YOU are sorry. Hire some more help and stop being sorry. Then, my phone number. 5 days ago...no call back yet.