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Both work, picnik sound like picnic and the ID10T's are even less likely to get it.

LOL - right. That make's sense. I love to chat with people that know these inside jokes... "Sorry sir let me help you with the I.D. ten T error!!"

A good article raising important points,and I agree on the main points.
But the big fee to raise a dispute is a horrible idea! That is really discriminating against poor people.Like myself.There is just no way I can find a 1000 dollars without begging from family and friends.