As it applies to shopping, I have a rule I never go south with fees. I do, though, understand why MSCs employ that strategy: It's business. It has been stated on numerous occasions, the practice of continually dropping fees is the direct result of shoppers accepting less money. Last week, I read a thread where many posters were pleased the company was nice, but acknowledged the pay was low. As for me, I paraphrase Clara Peller, she of the 80s burger commercials, "Where's the cash?"