Received an 11:13 PM good night call last night from USAA (or whoever) and again at 11:15. Didn't answer either because I don't know anyone (anymore) in Tucson, AZ. Whoever they are, they were kind enough to call me again for my 6:56 AM wakeup, my 6:57 AM wakeup, and my 6:58 AM wakeup. I didn't know my telephone had a snooze button. Didn't answer any of them, but who knows, if I had, we might have become fast friends. I think USAA needs to spend a little more money to find an answering service that knows how to use the telephone. And USAA isn't all that reputable -- or at least they've gone way downhill in the 45 years I've known them. But then, so have alot of things, including me (grumble, grumble, grumble). Really like this website!