"Dead beats", I heard a while ago on the internet. It was when I made a thread saying that millions of people don't use an option available to make 20%, the annual rate of fees charged on monthly unpaid balances by most banks on credit cards they issue. For some it can be 25 - 30%, the rates charged by many stores on credit cards which they issue.. I pay my bills, take care of my responsibilities. I'm merely making use of an option offered by the credit card company to every user of their cards. Call me a "freeloader", if you like - I have to lead guilty to that charge. ole joyful

The Speaker of the House of Commons is not a member of any political party.

I haven't the heart to say anything other than those who said that word above ... ... and thankful that mine's working well without giving me any trouble. Glad that, at age about 16, after 6 mos. or so of using ciggies, liking neither the taste, nor as a tot during the Dirty Thirties' depression learning frugality, the cost ... I had sense enough to quit! Now, just under 80 years later, I think that my heart, lungs, gut, kidneys and other parts are showing the results/fruits of their gratefulness. ole joyfuelled

Luminol ;) (technically, this answer is imprecise) I wonder how many of us own a black light. They are fun.)