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not as crisp as yesterday morning.....just got done paying my car insurance to Allstate online, and put the new card in my wallet.....they send you the renewal a month before it's due.....and under "discounts" it says I got $13.73 off my premium because "Good Payer-Future Effective Date"....is that because I paid a month early last time too? I pay when I get the renewal, rather than wait for the actual bill, so it's over and done with for another six months.....sounds like something you could put on your tombstone...."Good Payer-Future Effective Date".....I used to think another good thing would be "Moves Well Without The Ball".....but I can hardly move at all anymore, basketball-wise......