The Screw tightens on RTW!..

  • So...after the many post about "should you post or not"...I refer to the recent RTW postings from some members which resulted in me getting my hand slapped from the pussies in the Moderators camp!...

    Well...I have heard that the RTW rules have been changed so you can not do Ping Pongs anymore to boost your segments...

    Arh well it was fun while it lasted...

    I guess Empress can save himself from 200hrs on a dash 8..

    So..Not to mention any names cause that would be un-polite...

    But if you sell stamps and live in Sydney.!

    Thank you..

    So what can you spoil for us in 2003


  • Did anyone actually book a RTW ticket with xxxx segments?

    Has the change already been made or will it be in the next update of the rules?


  • Originally posted by parnel:
    MSN, no hard feelings but Who p***** in your Latte today? I think some of you need to chill out here.I see much more blunt direct exchanges on other threads on FT,so why the excitement here?


    Non taken. http://www.flyertalk.com/forum/biggrin.gif I'm not really the latte type either, by the way. I am a ardent believer in straight talk, but I would like to see the combatants here duke it out in a separate thread so that I can ignore them or watch from the sidelines without wasting my time parsing through countless threads with this ongoing running battle.

    Just the facts ma'am! http://www.flyertalk.com/forum/biggrin.gif


  • Originally posted by Shareholder:
    Since when is adding context and history on FT "crap"? Maybe to you, parnel, anything that sheds light on complexities is ripe for an abusive retort. But your abuse of me is really wearing thin... which is obviously your intent with each and every barb you hurl.

    There is a difference between debate and honest disagreement. Your bully tactics from the moment you arrived on FT are typical of what can be expected from people who refuse to acknowledge the value of open expression, debate and the exploration of ideas. Your personal attacks on me have continuously violated the Terms of Participation in this community. You continue to refer to me using terms like "Pinko" and similar words you believe to be slurs when you know nothing of my personal political beliefs. You have consistently made comments which, on other fora, would have resulted in your being barred from FT either for a period of time, or forever. I have thus far not referred your abuse of me to Randy, but am putting you on notice, effective today, that a single further derrogatory, personal insult posted here by you will result in such a referral.

    You may consider this yet another pompous post on my part, parnel, but I have really had it with your inanities and will seek redress by whatever means are appropriate.



    YADA YADA YADA---WRONG COFFEE THIS AM AGAIN
    http://www.flyertalk.com/forum/biggrin.gif


  • I can confirm that its max 28 sectors, but why do they call it 28 sectors and not 28 segments? Is a sector and a segment the same thing?

    "No more than 28 sectors permitted in an entire journey."

    The info about the RTW has been updated 7th of october and I guess this is the update they have done.


  • Ferrari, I would like to apologize to you for my tone on this. At the time I was feeling frustrated that your comments were edited out so that your side of the argument was not visible.

    Later, in my car, it hit me that the problem here is not with us, but fear of those that may be watching. For example, there is the thread that is running about getting the 20 segments. A guy wants to go from YOW to YYT and come back midweek. I know how he can do it for $977 with 10 segments, but I don't dare publish it on the forum for the reasons which you probably expressed. It is a very sophisticated trick and I didn't learn it until my 15th year in the travel biz, which I've been in and out of since 1973. I've tested it and it works in Canada, the US and Australia for sure. Some of you may know it.

    The solution is a password-protected subsection, by invite or screening only, like they have on pprune, for mathematically-inclined folks like ourselves who like to toy with the permutations of rules, end-on-ends, etc without fear of, in this case AC, doing what they would do.

    If anyone else here believes in transparency, then perhaps a solution can be found so that we can indeed have free speech on sensitive topics.


  • Maybe, just maybe, it was YOUR public musings about the possible consequences that may have caught the attention of folks at *A, and not the thread itself. If I were one of the *A people, the warning from you might have piqued my curiosity [Hey, look, Vern! Some guy is telling the others to shut up about something on our RTWs. Better have it translated and sent to LH tariffs so that they can check it out!]. THAT you can take credit for.


  • Pinko, Fascist, Dumbo and Company? Please, take it offline, whoever you are, if these are your names, or secret identities or not. http://www.flyertalk.com/forum/tongue.gif

    Back on topic:

    Ferrari, please post a link or some sort of information beyond "I have heard - "

    Thank you. http://www.flyertalk.com/forum/biggrin.gif

    [This message has been edited by msn (edited 10-07-2002).]


  • .

    [This message has been edited by thefareguru (edited 10-10-2002).]


  • I never mentioned any names.!..

    But, as your on the point OZ....

    Like normal you don't get the post, you just shoot from the hip...

    I was not really interested in the former post about the ping pongs, and for your information I have not done one, I did know someone who had it planned.
    I make my 200k the hard way...

    The point is this....

    By posting the information in great detail, you and others like you put the opportunity at risk.

    I can't stop you, but its going to lead to the starting of underground networks with each forum...

    We , and I mean the collective FT we...
    Have to be careful how we deliver this info to the groups...

    I won't be posting anymore on this topic, you ..hopefully understand where I am coming from...


    I also think that many bright ideas don't get posted but are sent to the ones that can buttons ones lips..

    Gooday!..



    [This message has been edited by Ferrari (edited 10-08-2002).]


  • Yup. Sector and segment is the same thing.


  • Originally posted by Ferrari:

    So...after the many post about "should you post or not"...I refer to the recent RTW postings from some members which resulted in me getting my hand slapped from the pussies in the Moderators camp! ...

    Well...I have heard that the RTW rules have been changed so you can not do Ping Pongs anymore to boost your segments...

    Arh well it was fun while it lasted...

    So .. Not to mention any names cause that would be un-polite...

    But if you sell stamps and live in Sydney.!

    Thank you..

    So what can you spoil for us in 2003


    Ferrari, your post above is insulting to me, and I ask you to edit it ASAP please. Thank you.

    I am not sure that referring to Craig6z as a 'moderator pussie' (sic) is such a bright idea either, but that is for others to judge.

    For the benefit of those who do NOT understand what Ferrari is ranting about here, his apparent method of making Elite by flying short AC Vancouver-Victoria etc segments on a RTW has been plugged. And you know something Ferrari, it will have been tightened for one reason. They detected someone actually DOING it, not simply talking about it on a BB. So if the loophole is plugged, you clearly have yourself to blame is my take as clearly you (not me) were DOING this "ping pongs" to get status. Correct???????????

    Ferrari posted continuously like a maniac on my thread here:

    http://www.flyertalk.com/forum/Forum1/HTML/007262.html

    The Moderator (not to mention others) requested he edit most of his posts.

    Something else to think on Ferrari, before you (hopefully) consider editing above is this commentary on the deal by Ken hAAmer in the referenced thread:

    Ken hAAmer posted:

    No more than one person will ever successfully pull this off. Ever. I'll even put money on it.

    I'll wager USD$100 that no more than one person will pull this off, because soon as they do, the airlines will kill it. Kill it dead. (Frankly, I think it'll happen well before anyone tries it.)


    I do hope you and Ken have discussed that $US100 Ferrari?


    ------------------
    ~ Glen ~ Calling all United 1K Members - please join .. www.1Kflyers.com (http://www.1Kflyers.com)


  • You are relatively new to FT. The notion of doing YVR-YYJ several hundred times appeared on these boards more than a few times, at about the same time as OZ came up with the Baht run, and a couple of FTers started that expedition [no direct connection otherwise]. In fact., I believe it was Empress who first proposed this could be done under the old rules of a R-t-W to boost segments.

    The likely reason for the change was more so abuse by one or more people who may have hit on the idea, and actually used it to do all their local commuting, while at the same time having a nice vacation once a year. I don't think you can pin this one on OZ.


  • thefareguru....

    No offense taken, I have a very thick skin... http://www.flyertalk.com/forum/smile.gif.

    As soon as i get back to YVR 15th, I will email you privatly regarding part of your post.


  • Originally posted by kempis:
    Did anyone actually book a RTW ticket with xxxx segments?

    Has the change already been made or will it be in the next update of the rules?

    This strategy doesn't really work. There's a cap on the number of segments even before the rule change. Since the airline has to calculate taxes for each segment, the ticket can only fit in so many segments.

    As for the rule change, it was only mentioned by someone once on FT.

    kempis - since you have access to the most up to date rules, maybe you could check it out for us?


  • People...can't we treat each other with more respect. http://www.flyertalk.com/forum/smile.gif

    The hallmark of this forum has been the tone
    of cooperation and mutual respect.

    This is not the Canadian way. http://www.flyertalk.com/forum/biggrin.gif


  • Since when is adding context and history on FT "crap"? Maybe to you, parnel, anything that sheds light on complexities is ripe for an abusive retort. But your abuse of me is really wearing thin... which is obviously your intent with each and every barb you hurl.

    There is a difference between debate and honest disagreement. Your bully tactics from the moment you arrived on FT are typical of what can be expected from people who refuse to acknowledge the value of open expression, debate and the exploration of ideas. Your personal attacks on me have continuously violated the Terms of Participation in this community. You continue to refer to me using terms like "Pinko" and similar words you believe to be slurs when you know nothing of my personal political beliefs. You have consistently made comments which, on other fora, would have resulted in your being barred from FT either for a period of time, or forever. I have thus far not referred your abuse of me to Randy, but am putting you on notice, effective today, that a single further derrogatory, personal insult posted here by you will result in such a referral.

    You may consider this yet another pompous post on my part, parnel, but I have really had it with your inanities and will seek redress by whatever means are appropriate.


  • Originally posted by parnel:
    Who was insulting who?

    Um, I was pointing out the name calling amongst yourselves, as a bystander, not calling each of you by those names.
    http://www.flyertalk.com/forum/tongue.gif



  • This strategy doesn't really work. There's a cap on the number of segments even before the rule change. Since the airline has to calculate taxes for each segment, the ticket can only fit in so many segments.


    This is not correct. At least it wasn't in my case. My first problem was that the fare calculation you mentioned did not fit to the actual ticket, and Amadeus couldn't print the ticket. As a result I got a hand-written ticket (seven 4-coupon ticket wallets stapled together) from SAS and a fare calculation sheet attached to it. http://www.flyertalk.com/forum/smile.gif

    Ironically my RTW was exactly 28 sectors but the only problem I see with more segments is that the agent's hand might be a bit more sore after the writing process http://www.flyertalk.com/forum/biggrin.gif


  • SH stop being so condescending;so what if the guy is new to the board.Just express your thoughts w/o all the the other crap.


  • Originally posted by Tractor Boy:
    Parnel: This is rude. It would be appreciated if you could post without insulting people.


    Who was insulting who? Read MSN's post first please;and I said it wasn't personal and put a smillie at the end of it. http://www.flyertalk.com/forum/biggrin.gif
    I also notice SH has not been polite enough to remove the longer link above since Empress and I showed how to shorten and in fact did it for him



    [This message has been edited by parnel (edited 10-08-2002).]


  • Point taken ...But...and a big BUT...

    I did NOT mention the details...

    I just asked if it could not be posted..

    someone else posted the details ..in every detail...

    Anyways..its stopped.!.


  • Originally posted by msn:
    Pinko, Fascist, Dumbo and Company? Please, take it offline, whoever you are, if these are your names, or secret identities or not. http://www.flyertalk.com/forum/tongue.gif

    Back on topic:

    Ferrari, please post a link or some sort of information beyond "I have heard - "

    Thank you. http://www.flyertalk.com/forum/biggrin.gif

    [This message has been edited by msn (edited 10-07-2002).]


    MSN, no hard feelings but Who p***** in your Latte today? I think some of you need to chill out here.I see much more blunt direct exchanges on other threads on FT,so why the excitement here?


  • Originally posted by parnel:
    I also notice SH has not been polite enough to remove the longer link above since Empress and I showed how to shorten and in fact did it for him


    Or, on the other hand, he has not come back to this thread and this is why is was not done?

    [This message has been edited by msn (edited 10-08-2002).]


  • Will check the rules on RTW at work as soon as I can. Hopfully as soon as tomorrow.


  • Here's the thread:

    http://www.flyertalk.com/forum/Forum82/HTML/001086.html


  • I think it was all the talk about the ping-pongs that killed it. Much like our bragging killed the MHD. Best option if we want to stay ahead of the airlines is to stay quiet. Just my opinion.

    ------------------
    If you want to experience good customer service from an airline forget Air Canada and try CanJet (http://www.CanJet.com) or WestJet (http://www.WestJet.com)


  • Originally posted by parnel:
    MSN, no hard feelings but Who p***** in your Latte today?


    Parnel: This is rude. It would be appreciated if you could post without insulting people.


  • Back to the topic:
    From the UA rules in Galileo/Apollo:

    ---------------------- STOPOVERS -----------------------
    (1) MINIMUM: 03
    (2) MAXIMUM: 15
    - NO MORE THAN 28 SECTORS PERMITTED IN AN ENTIRE JOURNEY
    - NOT MORE THAN 05 STOPOVERS PERMITTED WITHIN CONTINENTAL
    U.S./CANADA
    EXCEPTION: FOR TRAVEL ORIGINATING IN USA/CANADA: NOT
    MORE THAN 03 STOPOVERS PERMITTED WITHIN CONTINENTAL
    U.S./CANADA AND NOT MORE THAN 04 STOPOVERS PERMITTED
    FOR CONTINENTAL U.S./CANADA COMBINED.
    - NOT MORE THAN 03 STOPOVERS PERMITTED WITHIN JAPAN
    - FOR TRAVEL ORIGINATING EUROPE: NOT MORE THAN 05 STOPOVERS
    PERMITTED WITHIN EUROPE AND NOT MORE THAN 03 PERMITTED
    U.S./CANADA AND NOT MORE THAN 04 STOPOVERS PERMITTED
    FOR CONTINENTAL U.S./CANADA COMBINED.
    - NOT MORE THAN 03 STOPOVERS PERMITTED WITHIN JAPAN
    - FOR TRAVEL ORIGINATING EUROPE: NOT MORE THAN 05 STOPOVERS
    PERMITTED WITHIN EUROPE AND NOT MORE THAN 03 PERMITTED
    IN ANY ONE COUNTRY IN EUROPE.
    - FOR TRAVEL ORIGINATING NEW ZEALAND: STOPOVERS PERMITTED
    AT NEW ZEALAND INTERNATIONAL GATEWAYS ONLY
    (3) MAXIMUM OF ONE STOPOVER PERMITTED IN ANY ONE CITY.
    (4) THE FOLLOWING POINTS/AIRPORTS SHALL BE CONSIDERED
    ONE CITY: ‡S*FAR/RWSTAR-ROUTING·
    STAR ALLIANCE ADVANCE PURCHASE ROUND-THE-WORLD
    PERMITTED ROUTING

    THE ENTIRE JOURNEY IS SUBJECT TO THE FOLLOWING
    MAXIMUM PERMITTED MILEAGE PER FARE:
    29/000 FOR RWSTAR1 FARES
    34/000 FOR RWSTAR2 FARES
    39/000 FOR RWSTAR3 FARES

    (1) FARES APPLY TO FIRST BUSINESS ECONOMY CLASS SERVICE
    TO CREATE ROUND-THE-WORLD JOURNEYS COMMENCING FROM AND
    RETURNING TO THE SAME COUNTRY.
    (2) RWSTAR1/RWSTAR2/RWSTAR3 FARES APPLY FOR ROUND-THE-WORLD
    TRAVEL TO/FROM COUNTRIES SERVED BY THE PARTICIPATING
    CARRIERS IN THIS RULE.
    (3) CANADA AND UNITED STATES ARE CONSIDERED AS ONE COUNTRY.
    (4) SCANDINAVIA IS CONSIDERED AS ONE COUNTRY.
    (5) AFRICA/ASIA/EUROPE/NORTH AMERICA/SOUTH AMERICA AND
    SOUTH WEST PACIFIC ARE CONSIDERED SIX DIFFERENT
    CONTINENTS. FOR THE PURPOSE OF THIS RULE THE MIDDLE
    EAST IS CONSIDERED AFRICA.
    (6) ITINERARY MAY REFLECT TRAVEL GREATER THAN ROUND-THE-
    WORLD PROVIDED IT IS NOT VIA THE POINT OF ORIGIN AND
    STILL TERMINATES IN THE COUNTRY OF ORIGIN.
    (7) NO MORE THAN 28 SECTORS PERMITTED IN AN ENTIRE JOURNEY.
    (8) INTERCONTINENTAL TRAVEL SHALL BE DEFINED AS TRAVEL
    FROM ONE CONTINENT TO ANOTHER.
    (9) TRAVEL BETWEEN POINTS IN CENTRAL AMERICA AND POINTS
    IN SOUTH AMERICA/NORTH AMERICA/MEXICO SHALL NOT BE
    CONSIDERED INTERCONTINENTAL TRAVEL.
    (10) FARES ONLY APPLY IF PURCHASED BEFORE DEPARTURE.
    (11) ON SECTORS WHERE FIRST/BUSINESS CLASS IS NOT OFFERED/
    AVAILABLE AT THE TIME OF BOOKING: PASSENGERS WILL BE
    ACCOMMODATED IN THE NEXT LOWER CLASS. NO REFUND WILL APPLY.
    EXCEPTION: ON SECTORS WITHIN/BETWEEN U.S.A./CANADA
    WHERE BUSINESS CLASS IS NOT OFFERED: PASSENGERS WILL
    BE ACCOMMODATED IN FIRST CLASS SUBJECT TO AVAILABILITY
    OF SEATS AT THE TIME OF BOOKING. IN THE EVENT FIRST CLASS SEATS ARE NOT OFFERED/AVAILABLE NO REFUND WILL APPLY.
    (12) FLIGHT APPLICATION: FARES APPLY ON ANY AC/BD/LH/MX/
    NH/NZ/OS/RG/SK/SQ/TG/UA FLIGHT.
    EXCEPTION (FARES DO NOT APPLY ON):
    AC: 6000-6199/6600-6799/6900-7099/7200-7649/
    9000-9499/9580-9849/9970-9999
    BD: (NONE)
    LH: 2446-2485/2488-2509/2904-2959/6802-6841/
    6920-6941/6950-6989
    NOTE: FOR ALTERNATE BOOKING CODES (Q) ON
    6500-6785
    MX: 1000-1499/1502-1689/1692-1999/4000-4999/
    7000-7999/8000-8999
    NH: 6951-6978
    OS: 1000-2999/4000-4999/6000-6999/7100-8554/
    8557-9430/9435-9450/9453-9999
    RG: 7200-7203/7292-7293/7380-7384/7386-7388/
    7390-7391
    SK: 0291-0294/3100-3149/6000-6199/6200-6349/
    6400-6499/6700-6999/8000-8299/8329-8350/
    8400-8499/9500-9639
    SQ: 1000-1016/1053-1999/3000-5999/7000-7999/
    9000-9999
    TG: 4500-4503/4700-4703/4786-4795/6900-6902/
    6904-6905/6907-6910/6912-6913/6920/6922/
    6924-6925/7100-7101/7500-7501
    UA: 3494-3499/4000-4149/4200-4302/4500-4519/
    4545-4599/4980-5199/8300-8789/9475-9524/
    9600-9629
    (13) TRAVEL MUST INCLUDE ONLY ONE TRANSATLANTIC (BETWEEN
    AREA 1 AND AREA 2) CROSSING AND ONLY ONE TRANSPACIFIC
    (BETWEEN AREA 1 AND AREA 3) CROSSING.
    (14) NOT MORE THAN ONE CROSSING MAY BE PERMITTED BETWEEN
    AREA 2 AND AREA 3 IN AN ENTIRE JOURNEY.
    (15) FOR THE PURPOSES OF THIS RULE THE FOLLOWING POINTS/
    AIRPORTS SHALL BE CONSIDERED ONE CITY:
    - NYC/NEW YORK CITY NY (US):
    JFK/JOHN F KENNEDY INTERNATIONAL AIRPORT
    LGA/LA GUARDIA AIRPORT
    EWR/NEWARK INTERNATIONAL AIRPORT
    - WAS/WASHINGTON DC (US):
    BWI/BALTIMORE-WASHINGTON INTERNATIONAL AIRPORT
    DCA/WASHINGTON NATIONAL AIRPORT
    IAD/WASHINGTON-DULLES AIRPORT
    - MIA/MIAMI FL (US):
    MIA/MIAMI INTERNATIONAL AIRPORT
    FLL/FT LAUDERDALE-HOLLYWOOD INTERNATIONAL AIRPORT
    PBI/WEST PALM BEACH INTERNATIONAL AIRPORT
    - LAX/LOS ANGELES CA (US):
    LAX/LOS ANGELES INTERNATIONAL AIRPORT
    ONT/ONTARIO INTERNATIONAL AIRPORT
    SNA/SANTA ANA-ANAHEIM JOHN WAYNE AIRPORT
    BUR/BURBANK-GLENDALE-PASADENA AIRPORT
    - SFO/SAN FRANCISCO CA (US):
    SFO/SAN FRANCISCO INTERNATIONAL AIRPORT
    OAK/OAKLAND INTERNATIONAL AIRPORT
    SJC/SAN JOSE INTERNATIONAL AIRPORT
    - OSA/OSAKA JAPAN (JP):
    KIX/KANSAI INTERNATIONAL AIRPORT
    ITM/ITAMI INTERNATIONAL AIRPORT
    NGO/KOMAKI INTERNATIONAL AIRPORT
    - CPH/MMA:
    CPH/COPENHAGEN DENMARK AIRPORT
    MMA/MALMO SWEDEN AIRPORT
    (16) TRANSFERS: NOT MORE THAN ONE INTERNATIONAL DEPARTURE AND NOT MORE
    THAN ONE INTERNATIONAL ARRIVAL IS PERMITTED IN THE COUNTRY
    OF ORIGIN EXCEPT THAT NOT MORE THAN TWO INTERNATIONAL
    DEPARTURES AND NOT MORE THAN TWO INTERNATIONAL ARRIVALS
    ARE PERMITTED IN USA/CANADA WHEN USA/CANADA IS THE
    COUNTRY OF ORIGIN.
    FOR THE PURPOSE OF THIS RULE CANADA/USA AND DENMARK/
    NORWAY/SWEDEN ARE CONSIDERED SEPARATE COUNTRIES.
    EXCEPTION: NOT APPLICABLE FOR TRAVEL ORIGINATING IN
    THAILAND.
    - FOR TRAVEL ORIGINATING IN EUROPE EXCEPT SCANDINAVIA:
    ONLY TWO TRANSFERS OUTBOUND AND TWO TRANSFERS INBOUND
    PERMITTED WITHIN ANY ONE COUNTRY IN EUROPE.
    - FOR TRAVEL ORIGINATING IN SCANDINAVIA:
    ONLY THREE TRANSFERS OUTBOUND AND THREE TRANSFERS
    INBOUND PERMITTED WITHIN ANY ONE COUNTRY IN SCANDINAVIA.
    - FOR TRAVEL ORIGINATING IN JAPAN:
    ONLY ONE TRANSFER OUTBOUND AND ONE TRANSFER INBOUND
    PERMITTED WITHIN JAPAN TO/FROM THE INTERNATIONAL
    GATEWAY.
    - FOR TRAVEL ORIGINATING NEW ZEALAND:
    ONLY ONE TRANSFER OUTBOUND AND ONE TRANSFER INBOUND
    PERMITTED WITHIN NEW ZEALAND.
    - FOR TRAVEL ORIGINATING CANADA:
    ONLY THREE TRANSFERS OUTBOUND AND THREE TRANSFERS
    INBOUND PERMITTED WITHIN CANADA.
    - FOR TRAVEL ORIGINATING IN U.S.A.:
    ONLY THREE TRANSFERS OUTBOUND AND THREE TRANSFERS
    INBOUND PERMITTED WITHIN U.S.A.
    (17) SURFACE SECTORS: INTERMEDIATE SURFACE SECTORS PERMITTED
    AT PASSENGER*S EXPENSE.
    - MILEAGE FOR SURFACE SECTORS MUST BE INCLUDED IN
    THE MAXIMUM PERMITTED MILEAGE CALCULATION
    - THE LAST POINT OF ARRIVAL AND FIRST POINT OF
    DEPARTURE TOGETHER COUNT AS ONE STOPOVER.
    - IF A SURFACE SECTOR ATTRACTS MORE THAN ONE TPM
    THE LOWER APPLIES
    Curiously, the last revision was done on Aug. 12/02, so it looks like the change was done almost 2 months ago [unless they didn't revise the revision date].
    ROUND-THE-WORLD ADVANCE PURCHASE EXCURSION FARES
    *** STAR ALLIANCE ***
    (UA JOINTLY WITH AC/BD/LH/MX/NH/NZ/OS/RG/SK/SQ/TG)

    RULE ASK6/RW-2 REV.12AUG02 S*R.R WHQTF/NLL







  • #If you have any other info about this subject , Please add it free.#
    Your name:
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    Your comments:


    If you have any other info about The Screw tightens on RTW!.. , Please add it free.

    My rights and duties- employer asks me to provide testimony in its civil lawsuit TU Settlement - Credit Inqury on my credit report