1) A buddy got his wire today so all back to normal on that front.
2) I got the snail mail processing rate % increase notification in my letterbox today. Most professional companies (legal, accounting, gov, etc) still use the quaint postal system, rather then email/phone/PM so no big deal there imo.
3) People questioning the hold %, just about every billing company has one to some degree. Fact of doing business so just suck it up.
-N