20s, 30s, 40s, 50s, 60s, and we squeeze in some from a bit later than that too. it's only about 30 minutes longer than it would be driving; even less if you factor in trying to find parking. when do i need to back off and let things happen? learn to focus and organize around your skill set, your style and your timing needs. personally two of my cards have failed just due to electronic failure (both of them from chase). “i just want to thank you for the excellent service your company provides to us. 