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Dave FJim chooses to voice these problems every 30 days, and by ruining perfectly good threads to do so. I don't know why Jim just doesn't make the phone call he was invited to make to get these answers that so trouble him. Seems like that would close the fact finding case for Jim, but then he'd have to find something else to get upset about. There is nothing that can be done about any cards in the past that have been doctored. Period.