RE:Law of Unintended Consequences...or rather, a series of unfortunate events. ;0) Oil prices tanked $10 over the weekend. I don't do well with debt or margins. A good night's sleep is greatly underrated. I pay cash for my stock holdings and I pay my credit card bills before interest charges... which will increase in May to 20.95% per annum. Meanwhile the Bank of Canada reduced the prime lending rate to 3.45 % and 1 year GIC's are paying 1.31% How can credit card companies justify charging Mob rates??!