when it arrived! What is the deal with people like me and procrastination? I have bucket loads of bills, past due bills, ins that needs to be filed just staring a hole through me. My credit is trashed because of this little issue I have of "bill denial". I am trying to tackle it, slowly, but I get about 10 minutes into it and I want to scream. grrrrrr. If I just opened the mail when it arrive - and handled it - this would not be a problem!!!!