yep, that proves it. Times are going backwards!!! I remember when I needed to establish a credit rating, I opened a charge account at a dept. store in my hubbys name and mine. Never mind we were divorced. Paid on it one year and called them and told them. They let me open another account under my name and start over. sigh. but I got started. Now I do wonder. Sounds very odd. but sometimes odd is true.