Thanks Cindy. Yes, she knows about the volunteering for credit and tries to tell people about it. I think some people are just stubborn. I assume a person can volunteer before becoming a subscriber and earn credits for the initial fee? Because I'm not a subscriber and my account shows how much credit I have. If I were to become eligible I assume I could submit proof of disability and then use my credits to subscribe? Does it work that way or does it only work that way in theory? Jamie in Michigan Currently reading: Ceremony in Death - J.D. Robb