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To: SeaViewer who wrote (41845)	11/28/2005 10:41:49 AM
From: John Vosilla	Respond to of 116555

Many have a zero fee or cap it at say $30 or $50. I once used it quite often when needed capital for investment. These days I don't use it but the lenders seem to have become real desperate. Almost like putting a gun to my head to borrow with the nonstop solicitation. On the flip side I remember being extended in 2000 (as yield curve flattened) and one lender cut off some of my credit even though I'd always paid my bills. I wonder if this is happening to folks with excellent credit but high balances that they float these days?