when your own storm is brewing on the horizon, or if you are riding it out right now… i recommend this book to help you to remember that you can find strength and encouragement in that storm. what does a credit card have to do with the it issues? the design is such that it has big pockets on both side. the noise volume would not disturb too many home on the em either. 911 tape released - why we own guns!! i enjoy his company and he enjoys mine. 