Just using logic and not crazy. A flyertalk screen name with first a post and remarks Amex FR being reasonable. Time for you to wake up and realize how times have changed. If you want to stick with Amex a past AMEX CEO was in a law suit for using his personal assistant in more than one unethical way for sex and biz slander against a swiss private banker. The Amex employees forgot that fax machines had an Amex identification header. Amex settled by paying millions to a chairity. Google it. A nice read.