I ended my workday making some corrections to a credit card application. One of those crx was to delete a panel of type that encouraged the reader/applicant to use their credit cards responsibly. It was replaced by... nothing. Now I can understand putting the text on the application in the first place. It's a nice gesture, albeit bordering on the hypocritical. But why take it off? Are they afraid of insulting their customers? Or are they more afraid that someone who really thought through their use of credit would decide that they didn't need another card? Sometimes I wish I was privy to the rationale behind customer's changes. Of course, most of them would probably just irritate me.