Thanks, J.Edward for putting this together. Very helpful stuff. I beg to differ about calling OPSC. I have always called them toll-free by using the Elite Line. Of course, this would only apply to Elite customers, but here is my method. Call the elite line on the back of your card, say INFO PASS, enter your OP # and then say Operator. You will be transfered to OP service rep witin seconds (and not minutes like it takes if you call OP directly via the (713) area code) and you get your problem resolved with the same rep that you would have waited for a long time!