This shouldn't be difficult..... All I need is my fucking opinion, and yours. Santander Credit - Just bought my mortgage and assisted GEMB Lending (who may own Santander) in legally screwing me for $1,000 in the process of moving the paper. Note that my next payment is due in April, 2012 and I was that far ahead when the paper was sold. Forced to do business - they suck if you are ever given the choice of financing with either one. Adobe Software - Just asked nicely if I'd register my software, along with a reason or two to do it. I declined and Adobe said "Cool. Go to this menu if you change your mind." Pleasure to do business. Adobe has great products and reasonable prices. This is easy. I'll be back after the Management Meeting.