HAHA Mutt my marriage was my PERSONAL highlight of 2002...
Your prediction for 2003 of the collapse of third party processing is one that is not off the mark - VISA definately wants to shut these guys down. Thing is, if it happens, it will collapse a majority of the industry... that would be huge. Hopefully it will not happen, it seems the 3rd party guys have been working to get their house in order!!
Don't forgrt JLo and her new man.... that is the holywood romance of 2002... figured you would know that Mutt!