"Imagine the amazement of an Ecuadorian Auca Indian on his first visit to a modern American grocery store. He described the wonder of walking down the aisles, filling his cart with his colorful choices. Once his purchases were scanned, his American host handed him a plastic card which he was instructed to give to the young lady at the register. Not only did the card allow him to take all the groceries “for free,” but the clerk gave the credit card back to him! This visit to the store cost him absolutely nothing. America is a wonderful place!"