[pennywise]

on the credit: credit must be used wisely. Here you go to the grocery store with your $100 and at the check out you use the credit card. Put the cash in the bank for the payment on the credit card. You must be very disciplined. Okay? Credit is something that should be established, so one credit card that is used, and only one. I think the trade off on the electric and gas comes in the summer months. We use a fan, not air. Air only with very high temps. So the savings come April through Oct because you are not using the gas, did you figure that in?