No Offense, but you guys haven't been around here long enough. I'd never PAY 16 cents a minute. I'll pay 5.9 cents per minute using my costco calling card, or 6 cents per minute with a dial-around. this way I avoid the monthly fee to get the lower rates. I think that YOU guys are getting taken for a ride if you're paying a monthly fee. and yes, I AM hard up for STARWOOD points. Not only that, but some of "we guys" have scored TENS and sometimes HUNDREDS of thousands of points through these phone companies. I know for myself and my wife, with Sprint and MCI, with 3 phone lines, we've totaled 230,000 frequent flier miles in the past couple of years. So criticize if you like, but a certain amount of frustration is worth it for that kind of return.