no, it is quite different. It may not be moral either for Citibank to try to lure people into debt, but this doesn't make an endless loop scheme moral, at least not in my opinion. Period. That's my opinion. Just because someone else is doing something wrong doesn't make anything you do right. Neither does it make something right the mere fact that it can be done within the law. Period. That's my opinion. I call it the pillow test...when you lay your head down on the pillow at the end of the day, you know whether something is right or wrong, quite independent of any law or rule or loophole. I think common sense might be one definition. Abraham Lincoln had a marvelous saying, which I can't find at the moment and may be apochrophal anyway, to that effect...."If you think it's wrong, it's probably wrong"...(and he meant on introspection, not on parsing the terms and conditions). I just don't see how a clear headed, fair minded analysis of the 'loophole(s)' under discussion can lead to any other conclusion.

This of course goes beyond the destructive force of blind greed on FF programs in general, that effect is quite independent and that effect has an impact on my own reasonable self interest in FF programs fairly used for the benefit of actual customers. It's immoral on those grounds as well. It is ungenerous in spirit at a number of levels and is a disservice to this board and this community because it is too base and blindly greedy for reasonable people (IMHO of course, this is all IMHO)

[This message has been edited by wormwood (edited 12-23-2001).]