No. If you've never converted before, then why do you think you will be singled out?[/QUOTE]

No - I didn't think it was a question of being singled out - I'm really not that paranoid or stupid either. It's just that I really had no idea why i got the 3.2 rate - never heard of it before.

Now if someone could point me in the right direction so I can find out what this premium status is all about, I'd be really grateful....