Back when I was too young and stupid to understand how bad having credit card debt was, I had cards from a few companies including Chase. I remember Chase had the biggest fees whenever I made late payments. I soon realized that I need to pay them off and not use credit cards unless I pay them off every month, which I’ve done ever since. This experience leads me to wonder: who is this “ideal” partnership between Apple and Chase “ideal” for?

How to spell oligopoly?

I didn’t know it was OK to fly right after a stroke.

Best wishes to Woz.