we've also got lana.told us that one of her credit cards was about to start charging a monthly fee. she's had the card for ten years, she didn't want to have to pay an additional charge. this is kind of common. people are getting these charges. >> it's so common lately that people are seeing these charges. what i told you, i think, lana, was that you could opt out of paying this fee by telling the card company that you weren't going to use the card any more. and you were just going to pay off the balance at the current rate with the old fee. but that you should be very careful about doing that. if you wanted to take on a mortgage entitle next year or a car loan. >> did that help you, lana? >> yes, definitely. i'm going to, i'm keeping the card until i am able to secure a mortgage. a loan or a big loan that might come up in the next couple of years. >> well that's terrific news, so lana was helped as well. so jean, try as we might, we're not finding anyone who is really mad at you, yet. >> we'll do our bes