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To: Harry Franks who wrote (2805)2/23/1999 9:31:00 AM
From: micny  Read Replies (1) | Respond to of 20297
 
....> without stubs attached they are assigned to a slower track -- meaning payments are credited late..

and that's what multiplies the probability that customer service inquiry will be generated....and that's what will COSTS them big time in terms of expense and customer/biller satisfaction.