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guest: the big thing when you have a credit card number stolen or your identity stolen, it is the hassle you have to go through to try to re-establish yourself, re-establish director credit, again, what the individuals will do quickly, they will go to a gas station, charge up maybe $1 or $2 worth of gas, and they will go right over to the local shopping mall and start using their card. the bet thing a consumer can dough right now is like we have been talking about, monitor the credit cart each day make it a habit, monitor that, notify the financial institution that no charges should be approved over $500 without your preapproval over the telephone so that is one of the things you can do right away. neil: thank you, rod, very wise words. in the meantime, the fight for battleground states, but will the mood right now last all the way to november?