this will happen if the public folder in question contains items on which the categories property is set to be blank - such as with a single space - instead of truly being empty. going with the cheapest or first choice they see is typical for a lot of customers in a hurry. if you can get 2.8% from the us government with no business risk, taking a risk on a business should pay you more. for the first time i see your face. get your tickets and additional information here. going to the world series @royals! 