THANKS, another reminder of how thoroughly we should check EVERY detail of that, and all other "offers". It's sooooo easy to read ONLY what you want to see, and NOT what you don't want to know. Same with extended warranties , home protection programs, pest "control", etc. etc. Starting with the premise that there has to be genuine benefit to the people or business extending the offer would be a good place to begin analysis, if the odds are not on the side of the "house", why even build the "casino" ?