Gene, I'm very sorry to hear of your expensive experience. However when given a choice of using a credit card or the Bill Me Later service which clearly offers 'more time to pay' I think it is up to the consumer to find out what is involved in the two options. In financial transactions generally "More time to pay" means "More Expensive". Pay Pal has a number of advantages and I hope AoIR contines to offer convenient payment methods. Regards Marj Associate Professor Marjorie Kibby, B.Ed, M.A, Ph.D, FHERDSA Head of Discipline: Film, Media and Cultural Studies School of Humanities and Social Science The University of Newcastle Callaghan NSW 2308 Australia Marj.Kibby@newcastle.edu.au +61 2 49216604