I love when I get a piece of mail, and above my name, it says, 'You've already been approved.' I am telling you, pre-approval -- is that not such sweet, sweet serendipity? For me, that's like the perfect hit. I get that natural high. I liken it to that feeling you get when you find an anonymous love letter or an unexpected Valentine's Day card. You know that feeling of 'I'm special! I'm wanted'? Much to my dismay, I am wanted -- by several collection agencies.