MY HYPOTHESIS--

Today's standard of excellence is mediocrity

The latest assault on our ever diminishing standard of excellence arrived, unsolicited, in my mail box recently.  It was a shiny, new VISA credit card complete with an account number on a local bank where I closed all my accounts more than a year ago.

The card even boasts a spending limit of $X,XXX.

There is a pasted notice on the card which says it cannot be used until I confirm I have received it by simply calling an 800 phone number.

That's it.  One phone call and I can be off on a multi-thousand dollar spending spree.

Good grief!