Thursday, November 12, 2009

Post 9/11 Traumatic Stress Disorder Hits America

After America was attacked by Islamic extremists on September 11, 2001 I thought we understood we are up to our necks in a war on terrorism. After the terrifying collapse of New York's twin Trade Center towers, I believed we understood Islamic extremists are out to destroy America and Americans. We were a pissed-off country and we wanted to do whatever we could to win the war on terrorism. Thanks to President George Bush.


Things have changed in eight years. We've become fearful of profiling Muslims living in the US as Islamic jihadists. We've even accommodated Muslims to allow them to have Saudi financed Muslim schools in the US. We're a country afraid to say anything negative about people from the Middle East lest we offend them or intimate they may be terrorists. We even elected a president of the United States who attended a Muslim school in Indonesia from the ages of 6 to 10. He's the first president to bow in reverence and respect before a Saudi misogynist prince who is in cahoots with Wahhabi Muslim extremists. Barak Obama-a man who took an oath or protect and preserve the national security of this country.

The fear and anger towards suspicious Islamic individuals have been diluted thanks to political correctness in this country. Liberals railed against the Patriot Act as an invasion of privacy even if a suspected terrorist was checking books out of the library on how to build a bomb or checking out blueprints of the New York subway system. We don't want to offend Muslims living in the US nor suspect them of being extremists and terrorists. Instead, we want to promote understanding with Islamic people who keep telling us their religion is peaceful while their Koran is filled with hatred and destruction towards Jewish people and Christians.

Our country has been struck with a virus more serious than N1H1. I cal it "Post 9/11 Traumatic Stress Disorder". The symptoms of this disorder are marked by an inability to call an act of terrorist for what it is. People with this disease would rather explain all acts of terrorism in psychological terms. We never really needed GITMO; we need a cadre of Dr. Phil's to speak to maniacal terrorists.

Barak Obama and his staff have seriously been stricken with this disorder. Chris Matthews, MSNBC's Hardball moderator can't see anything wrong with a Muslim (Major Nidal Hasan) who sends 20 emails to an Al-Qaeda imman in Yemen. What's wrng with that?

Our president warns us not to jump to conclusions about the terrorist attacked perpetrated on 43 US soldiers at Ft. Hood, Texas last week, killing 14 people. Even though the killer, Major Nidal Malik Hasan has given the Army every indication he is a full-on terrorist, Mr. Obama, wants US citizens to stay in a liberal induced coma believing all Muslims are peace-loving. Interestingly, he forgets all terrorists are Muslims though not all Muslims are terrorists though they read out of a book-the Koran-that promotes terrorism.

Here's another symptom of Post 9/11 Traumatic Stress Disorder-the inclination to call an act of terrorism an act of psychological disorder. Victims of this disease use words like "emotionally disturbed, twisted thinking, insane, mentally imbalanced and other psychologically based terms. No one in the Obama administration has yet to call Major Hasan a terrorist who has infiltrated the military. Rather, he's a victim of Post Traumatic Stress Disorder even though he's never been deployed to Iraq!

Why did Hasan kill troops getting ready to go over to Afghanistan and Iraq? So they could be prevented from going overseas to kill his (Hasan's) Muslim terrorist brothers who are attacking American troops. Connect the dots. Hasan was a martyr for the Islamo-fascst cause. He is guilty of treason for supporting and cohorting with the enemy.

As a Vietnam vet I can never imagine one of my fellow soldiers or an officer-medical or non-medical-saying favorable things about Ho Chi Minh or the Viet Cong. Such an individual would be locked up in the stockade and be tried for treason. Can you imagine an American soldier saying "Heil Hitler" to his fellow soldiers as they were invading Germany? What has happened to our country? A Major in the Army is asked to give a presentation on a medical subject in his field of psychiatric expertise, and instead he presents a 50 slide program on the Koran , , , even speaking of beheading the enemies of Islam and pouring hot oil down their throats. Yet a room of military men infected with Post 9/11 Traumatic Stress Disorder could not connect the dots and permitted Major Hasan ramble on with his Islamic dribble and return to his post of duty.

What about Ft. Hood, Texas? Do they know we're involved in a war on terrorism? Do they know there are Islamic terrorist operatives in the US and on US military bases? Are they so infected with Post 9/11 Traumatic Stress Disorder that they could not post armed guards on the base so that such a travesty could never have happened? Our military and citizenry are so clueless when it comes to terrorism in this country. We behave as though 9/11 never happened. We ignore the fact Al Qaeda cells are operating in this country according to US Intelligence reports. We are on red alert whether we believe it or not. Those who disagree will simply argue that what happened at Ft. Hood was an isolated criminal act performed by an disturbed individual. And the Muslim extremists in Syria, Iran, Saudi Arabia, Yemen, Pakistan, Afghanistan, Palestine and Iraq are laughing as they send more operatives to this beguiled country.

Major Hasan deserves to be tried as a traitor who in his right mind deliberately planned and schemed this suicide attack on US soldiers. Major Hasan on the morning of his terrorist slaughter dressed in Muslim garb, prayed before the slayings and shouted praises to Allah as he killed 14 people and wounded another 29. Our military needs to wake up. Americans need to wake up, Obama has us so caught up in the healthcare issue that we've been lulled to sleep and one Muslim terrorist took advantage of us napping.

At your next Tea Party or Town Hall meeting, the focus must be on terrorism at home. We need to wake the sleeping giant of America which has been seriously inflicted with Post 9/11 Traumatic Stress Disorder-the inability to remember the lessons of September 11, 2001, the failure to stay on watch against terrorism in America and the foolish decision to place political correctness over and above the need to protect our country.

Thursday, November 5, 2009

Consumer Friendly Businesses in an Unfriendly Recession


Yesterday I shared an experience I had wit the banking conglomerate Bank of America. Now I wonder, "Will it cause Bank of America to change their policies? Will I get a call from a B of A executive apologizing for the way I was treated by one of their supervisors?" I doubt it. And that's my point. Consumers are feeling more and more powerless in the face of corporate giants.

Over and over I keep dealing with customer representatives who send out the same message: We don't care about our customers. We're here to ratchet up service fees, apply late charges, increase interest rates, provide lousy service and fail to return our customer's phone calls and emails.

How can certain business like Us Airways, Enterprise, Sprint telephone, Time Warner Cable and many others expect to stay in business treating customers this way at a time when the consumer needs some compassion - not government sponsored freebies.

Furthermore, I do not want the government to FORCE companies through legislation to show care for their clients. I would like to see companies do this on their own. No more government intervention.

Here's my latest example. On a recent trip to Florida to visit my parents I was scheduled on US Airways for a one hour layover in Charlotte, N.C. It turns out the flight was cancelled due to bad weather in N.C. I had to spend an entire day in an airport waiting for the next flight to Charlotte and then make one more connecting flight to Ft. Lauderdale.

The morning of the flight I received several call from US Airways telling me the flight was delayed 105 minutes. So I had some time to make it to the airport. Yet when I arrived at the airport ninety minutes before the delayed flight was slotted to take off, I was told by a ticket agent that I missed the flight. I was late. I responded, "But the flight departure time is not for another hour and a half. How can I be late?" She told me I was supposed to be at the airport an hour before the original flight time. "But the original flight time was changed according to all the voice mails I been receiving from US Airways," I continued. "Now I am here at the airport with an hour and a half to spare. I am not late!!" She finally admitted, "And the flight has been cancelled." Was I going crazy?

Upon arriving at Charlotte eight hours after the original flight was supposed to land, I went around to the various workers at new stands, Starbucks and ticket counters at other airlines. I asked, "Was the Charlotte airport closed this morning prohibiting flights from landing. The answer I kept hearing was negative. One cashier told me there was a fog bank early that morning but it cleared by 8 a.m. - two hours before my flight was scheduled to take off. What did US Airways do? Cancel a flight for no reason? I spent an entire day at an airport because of US Airways.

To the phone . . . I tried to contact US Airways when I returned to Los Angeles. I was instructed to register all complaints using their customer service support page on their website. I was assured I would hear from a US Airways representative within 72 hours. It's been two weeks and I haven't heard a peep. Then I called their corporate headquarters in Tempe, AZ (480 693 0800). I left two or three messages asking for a return call from their Customer Relations Department. I've heard nothing. I even wonder if this department even exists.

What gives with companies today? Even in a recession where the middle class is hurting and the poor are getting all kinds of government (tax paid) benefits, you would think companies would show some attentiveness to the consumer. How about a returned phone call for starters?

Two companies that stand out from the rest are Starbucks and Southwest Airlines. Read Howard Schultz' book Pour Your Heart Into It and the book Nuts, the story of Southwest Airlines. These two companies "get it" in the way they treat their employees and the consumer. They will ride out the recession. My advice is to only fly Southwest and let the others die a slow death. So what if we're stuck with one airline. Southwest would expand, add more flights and continue to treat the customer with care and wisdom.

Will I ever hear from US Airways? Probably not. They're just hoping I will go away after making repeated calls to their corporate Customer Relations Department. Not this time. Consumers must revolt by calling companies on the carpet and force them to treat us with class and concern.

Wednesday, November 4, 2009

Bank of America: Bank of Arrogance

Bank of America CEO and President Kenneth Lewis proudly claims, ""Bank of America helps build strong communities by creating opportunities for people — including customers, shareholders and associates — to fulfill their dreams." As an unemployed citizen of the U.S. and a longtime customer of Bank of America, I decided to see if my bank could help me get by during this tough time in my life. Rather than fulfill my dreams, Bank of America inspired a nightmare.



My credit card statement arrived in the mail this week. My balance reflects a debt I've been carrying over five years. Presently, I charge about $50 a month on the card - all Internet and email service charges. Other than that, I do not use the card. Even though I have been out of work since July 2009, I manage to make my required payment of $150 or more every month.

I've been with Bank of America since 1974, held several mortgages with them and have had numerous checking accounts. I imagined for a split second that my customer loyalty might mean something to Mr. Lewis and his employees. So I called their 800 number.

My goal? I wanted them to reduce my interest rate for a short period of time while I am unemployed. I am paying 10.9% and I was asking my bank of reduce the rate by a point or two to lower my monthly payments. After all, Bank of America received a hefty bailout courtesy of tax payers like myself. Couldn't they extend some help to a loyal customer? I wasn't asking for a bail out or a reduction of the principal I owe. I only needed a small reduction in my interest rate to lessen my monthly amount due,

When I called B of A, I asked for a supervisor. I explained my situation and he informed me I was receiving the lowest interest rate. I know that's not true. If I transferred my balance to another bank and then came back to Bank of America, they would offer me a very attractive lower rate as a lure. Liars!

The supervisor proceeded to ask me every possible question about my financial situation: how much I was receiving from unemployment insurance, my monthly rent, utilities, car payment, insurance cost, grocery expenditures and my meagre savings. He was trying to justify that I cold qualify for a hardship program provided by Bank of America.

After spending twenty minutes on my cell with this bank supervisor, he informed me I do not qualify for any help since I cannot guarantee them I would be able to make my monthly payments. I asked what guarantee did Bank of America give the taxpayers they could pay back the bailout money we gave them. I was shocked. Guarantee? In this age and economy?

My best guarantee is my track record of making hundreds of payments to Bank of America over several decades. I informed the supervisor that I cannot guarantee I would be alive tomorrow but if I am, I will make my credit card payment and it would truly help if he lowered my payment by $20-30 a month to lend a hand. This is the bank that wants to make my dreams come true.

The supervisor would not budge. He was robotic and read from a script. I was irate, "You really don't care about your customers, do you? Here we bail you out by giving you billions of our money, and you can't reduce my interest rate by a few points?" He kept repeating his "guarantee speech."

I kept pushing, "This is an interesting scenario. If I got to a place where I could not make my credit card payments, you would turn me over to a collection agency who in turn would pay someone's salary to harass me. Then your bank would be willing to hire attorneys to go after me to collect my debt. Right? You're willing to spend thousands of dollars in case I default on my payments, but you won't reduce my monthly payment by $20 to make sure that scenario never takes place. What kind of a bank are you?"

The bank official repeated his mantra about guarantees. I told him to stop reading his script. Quickly I mentioned the name Ann Minch, the woman who started Debtors Revolt and is going after Bank of America for hiking up her interest rate to over 30%. "Do you know who Ann Minch is?" He said he did. "Well," I continued, "there are more people like her who will tell the public what kind of bank you really are. You don't care about your customers." Ann Minch has hit a nerve with her YouTube video sharing her nightmare encounter with Bank of America.

When I mentioned Ann Minch, the supervisor slammed down the phone. The message is clear: Bank of America does not care about their clients and they're not happy that B of A customers are speaking out. I'm one of them. I am prepared to pull all my money and debt out of Bank of America and make my statement that this is one bank that is not "for the people" and they have no intention of making any of your dreams come true.

Saturday, September 19, 2009

Who Do You Call When You're in Trouble?

No matter who you are-religious or non-religious-you call on someone when your life has hit bottom. We call friends, family or seek solace in a deep need for silence. Sometimes when I'm hurting, I don't want to talk to anyone. When I am in that place, I feel there is no need to explain myself. My answer is always the same-life is filled with trials, tragedies and disappointment. We all have our ways of handling what life hands off to us.

However, when it comes to God, we have two responses, according to Pastor Alistair Begg: we call on God out of frustration asking why bad circumstances happen to us or we call on the Lord as our Father seeking comfort or wisdom. For some God is called on to curse Him for allowing suffering to come their way. We may never even acknowledge God in our lives. Yet when bad things come our way, we are spiritual enough to blame Him. Yet a true follower of God calls on the Lord because he know God cares and reaches out to Him as a hurting child reaches out to a father.

This week in the wealthy and highly safe community of Thousand Oaks, California, a recently divorced man reached the limits of his own suffering and took the lives of his two boys-twelve and seven-and then his own life. He brutally stabbed the boys and then overdosed himself using sleeping medication. Can you imagine the horror of one brother watching his father stab his sibling not knowing his own death was imminent.

After reading several newspaper articles, speaking to some individuals who know the man and from my own experience as a divorced husband, I've tried to grasp what would drive a man to take the lives of his beloved children to assuage his own pain. One article reported he lost his million dollar home and was living in a nearby apartment complex. He saw his children frequently and was a member of a large Thousand Oaks church thus providing him a spiritual support team. His life was not without some positives.

The deceased was also in the midst of a custody battle with his ex-wife. Did she see some severe emotional issues in her former husband that caused her to have concern about the safety of her kids? Perhaps he took the kids out of this life to keep them from his wife. I don't know and never will.

How does a human become so lost, hopeless and desperate? Why didn't he just take his own life and leave the children out of his misery? He could have spared them the suffering of the stabbing and given them the sleep medicine? My mind fires off so many questions.

My biggest question is my concern that this frantic man failed to throw himself in desperation to his knees and call out to His divine Father. Can life get so hopeless that there truly is no hope?

The Thousand Oaks man did lose his job a few weeks ago, yet the resources to find employment are many. His children still loved him and wanted to be with him. He still had a roof over his head and lived in an upscale community. To my knowledge he was not an ill man struck with chronic pain or illness. Other doors of opportunity still lay open before him. He attended a large church and was connected to a small support group of people also experiencing divorce.

This man had many reasons to live and to allow his children to remain unharmed. Yet I guess there is a hopelessness that can cripple the human spirit to a point of self-destruction.

I am too much of an optimist to ever allow myself to arrive at that point. I fear hopelessness. I run from it. If I ever consider a life without hope, I fall before God and call out on my Father for help. When I have nothing left to give, my faith is gone and I don't feel like living one more day, it is my Father's love that gives me the hope to survive.

My heart goes out to this woman who lost her children. Even if she was a miserable human being and made her ex-husband's life a living hell, another human has no right to inflict punishment by taking away her offspring. Some things on this earth are better off left in God's hands. Some moments in this life only make sense when we have nothing left to say but to call on our heavenly Father to help us make it just one more day.

Tuesday, August 18, 2009

Should God's People Utilize Hip-Hop and Rap Music in Worship?

I visited a new church last weekend. At least it was new for me. I arrived late, I'm sorry to admit. The lights were out in the church sanctuary since the audience was viewing a film made by the teens. I love to see the young people of any congregation express their talents in declaring their love for God. The video displayed a lot of the teens performing a rap song. I guess it had to do with God. I couldn't grasp the entire message.


Afterwards, many individuals who stood at the podium were loosely using hip-hop lingo and hand gestures when they spoke. It was strange and out of place.

I know, you're probably saying to yourself, "Louis, you're getting old and are no longer with it." I wish I could chalk it up to just my age. Rather, I am especially sensitive to the hip-hop generation after reading the book Enough by Juan William, radio and TV commentator.

In his book Williams hits hard on the hip hop and rap culture. Most of the rap songs exalt crime, illiteracy, a low view of black women, violence and derogatory language about black people. Over and over I have heard the "N" word blasting out of the car speakers of a white teenager while he listens to rap. I've heard rappers refer to black women as "bitches" and "Hoes." Juan Williams points out the danger of rap music and the negative message it portrays for young black and white people.

I won't allow my fourteen year old to listen to rap in my car, our home or on his iPod. In fact, it is my hope that the rap industry - which is fueled by white music moguls using black rap artists to say the worse things about black women so young white teens can buy the music - dies a quick death Please read Juan William's book and learn these things yourself from a black author.

So when a church starts using rap music and employing hip-hop lingo in God's house, I often want to know if the pastor spends any time exposing the debilitating effects of this style of music on young people's thinking. Personally, I think rap music is one of the most uncreative forms of music. You can stop listening to rap for three years, then start listening to it once more and it sounds exactly the same. Once in awhile a few creative rap artists come along like Kanye West.

I really don't want to see the hip hop culture invade the house of God. The focus of a congregation is on God not our culture.. Followers of God need to be exposing the dirt in our culture not rub it on our faces and display it in a sanctuary. Some may think they can clean up hip-hop and rap and use the form of it in a church setting. However, the style of rap is angry and belligerent. That same feeling comes across when a rapper raps about Jesus.

You can clean up a car that badly needs a paint job. Regardless if you wax that car until it glistens, it still needs to be repainted.

Parents, if your kids listen to rap, sit down with them and read the lyrics. In a few minutes they'll become too embarrassed to utter the curse words and demeaning comments made about women in front of Mom and Dad.

Contemporary and classical music belong in a worship service. However, the line has to be drawn when we pull in music styles that go against the fiber of what the Bible teaches us about being respectful to others.

Friday, July 31, 2009

The Man With The Stone

An older man was accompanying his wife to a hospital for some minor surgery. A nurse noticed something odd about this caretaker. He was carrying a stone in his hand. Just a small rock that appeared to be well-worn and smooth.



The nurse had to ask, "Why are you carrying a stone in your hand? Is it a good luck charm?" The man was obviously used to having this question posed to him. "I carry this stone wherever I go. I never let go of it and I always have it in my hand." The medical personnel inquired further, "How long have you carried the stone and why do you have it in your possession?"

The man took a deep breath as he repeated a story told many times. I've been carrying this stone in my hand for over twenty years. I turn it over and over in my hand throughout the day. When I first started carrying the rock, it was rough and had many jagged, rough edges. But now it is smooth and the rough edges are worn down."

The elderly gentleman proceeded to explain the story behind the rock. "in John 8 of the New Testament Jesus is confronted by the Jewish leaders who bring to him a woman who had been caught committing adultery. Under the Law of Moses, this woman is supposed to be stoned to death for her transgressions. But Jesus looked at the potential stone throwers and peered into their souls saying, 'he who is without sin, let him cast the first stone.' Realizing their hypocrisy and their own sin, they dropped their stones and disassembled. Jesus looked at the poor woman hovering on the ground near his feet as she waited for the first stone to be cast. Jesus said to her, "Woman, where are your accusers? . . . Go and sin no more!"

Now it started to make sense why this man carried this stone. The once-jagged rock reminded him of his own sins and as God worked in his life to transform him, the stone became more smooth and the rough edge were worn away as he turned the stone over and over in his hand. The smoothness of the stone spoke of his humility before the Lord as he considered his own sins. The more the Lord confronted him with the truth about his sins, and he repented and sought forgiveness, the smoother the stone became.

I though this was a wonderful example of Christian thinking. Instead of being ready to throw stones, we should be hesitant due to the awareness of our own sins.

I carried the analogy a little further as I contemplated what takes place when two people are married. Instead of one stone, in a marital situation we carry an additional stone in our hand - our spouse. We carry our own rock with all its rough edges along with the stone of our spouse with his or her rough edges. The task of marriage is to keep those stones as close as possible so that through marital closeness and honesty, we are able to smooth out our differences and adjust to one another and show humility before one another. In addition, the two rough stones of husband and wife are being smoothed out by the Spirit of the Living God.

The problem with most marriages is that we uses the stones in our hands to throw at one another. We are quick to pick out faults or focus on traits that are not changing. Rather than humility to see our own transgressions, we hurl our stones using our words and actions to hurt each other. We are like the Pharisees who are quick to see the faults of the adulterous woman but we fail to see our own infidelities to God.

We have three choices: we can drop our stones and become one those people who refuse to discern the faults of others and repeat the false mantra of never judging one another. Second, we can act like a person who has no sin and cast our stones at other people to make ourselves appear to be righteous. Finally, we can become a person who sees the sins of others but remembers our own sins and remains humble before the Lord. This is the person who sees the faults of others and is able to point them out but in a gentle and kind way that leads them to repentance instead of just fruitless self-condemnation.

Thursday, July 23, 2009

How To Fight Your Bank and Remain Friends

How many hours a week do you spend talking to your bank on the phone or at the customer service desk? I must have a great relationship with my bank . . . almost a marriage. We speak to one another several times a week. We're almost inseparable. We argue over issues that can't resolve. In response. In response I give them the cold shoulder at times and in anger they raise my finance charges or charge me extra service fees. I lose my temper and tell them they're incompetent and I'm sorry I ever hooked up with them in the first place and hang up the phone in disgust.

Yes, my bank and I are quite a pair.


This morning I told a customer service representative that he doesn't care about me as a consumer. I blasted him, "Come on, admit it. You don't care about me. You're cold and reading out of a manual like a robot. I'm a number not a person."

This kind of interchange takes lace at least a once a week . . . I'm sorry to admit. Me and my bank.

Today's conflicts started because I started receiving email notifications that my checking account is overdrawn. Here's their heartwarming message: "Unfortunately, on 07/21/09 your available balance in your Wells Fargo account XXX-XXX-XXXX was insufficient to cover one or more of your checks, Check Card purchases, or other transactions." Do you see how the bailouts have made the banks so much nicer than ever before? At least, they felt bad for me and said, "Unfortunately . . . "

I won't bore you with a long and complicated detais, but the short version is this: A few months ago my bank suggested I send them an authorization form to take $26.86 per month out of my account to cover a minimal loan modification charge on my Home Equity account. In previous months the bank was withdrawing the money without any hitch. Now they wanted to make this transaction more official. I complied and faxed them the form.

Somehow this form cancelled the loan modification agreement. No one told me and they informed me that I must pay them $2000 to fix it. That's when the relationship went south, "How can you make me pay you $2000 when I did what you asked me to do and now you're punishing me for it. You made a mistake. Admit it." The answer was robotic, "I'm sorry you feel that way, sir. However, for you to make your account current you owe us $2000." I traded blows with this rep for fifteen long grueling minutes. I kept repeating, "I did what you asked and your bank blew it. It's your mistake. Come on, admit you're bank is wrong. I know you won't because you could care less about your customers. It's all a show. Your bank should be ashamed of itself."

Then I realized I had it. "Let me speak to your supervisor." It's like trying to settle an argument with your spouse by discussing it with an older sister or brother. The supervisor was pleasant but handed me off to another department. At this third department I spoke with a more sensible gentleman whose name was J.J. I always get worried when a person doesn't have a name - just letters. What's he hiding?

J.J. was cool. He repeated back to me what he understood the problem to be and then admitted -the bank made a MISTAKE! I couldn't believe my ears. A warm, fuzzy feeling came over me, "How could I be mad at my bank. She's so nice when she wants to be. She holds my money and gives it to me when I need it. Gives me interest bearing checking accounts and waives my late fees"

We were friends again. Like a great marriage counselor, J.J. brought me and my bank back into a loving relationship. All I needed to hear from the bank were three little words, "We were wrong." I was shocked when I heard the confession but it was like a blanket of peace that came down from heaven. I wanted to shout it out to the people on the streets, "The bank admitted it was wrong!"

Will I speak to my bank again? Sure. Will we go at it and trade blows, "Yes, of course." Did they waste my time? They always do. At one point I said, "You made a mistake and you're taking my time to fix it. I charge $40 an hour so the clock is ticking. I will send you an invoice for the time you are taking out of my day to fix your mistake."

What's the key? Keep complaining until you get someone on the line who is not a robot and can objectively understand what is taking place.

Why am I telling you all this? Simply because as individuals we are getting less and less important and the corporations are getting bigger. They say they care about you. They don't. If you are against the wall with a corporation, push back until you get a real human to talk to you.

If Obamacare ever passes, these kind of encounters will be run-of-the mill. This time you'll be arguing with a government employee who most likely won't budge. For now, my bank and I are getting along quite well. When the day comes the government is handling your health care and you need immediate medical attention and they tell you that you can't see a doctor for three months, what are you going to do? Will you ever hear the words, "We were wrong" from a government operated heathcare plan that is running amuck ? You'll have to wait and find out.