well, so far it seems people who don't pay quickly in check out lines and inconsiderate drivers are the winners. one that really bothers me is trying to get a human on the phone when calling almost any place of business now. It is a nightmare. Most of the time i just refuse to press a number and press 0. I have found that this almost always will get me a live person-it confuses the computer and forces it to direct my call to a human being. Also, i hate insurace companies. They are right up there with the vilest people in the world U pay for a policy-but when u need to use it-well suddenly u find all teh "outs" the insurance co has created for itself. I make it my goal in life to make my health insurance co pay for every dime they owe me. they are all so dishonest it is not even funny. .