Apparently two out of three lawyers you spoke to bought into the myth as well. I'll believe American Express' legal department if you don't mind. ;-) They have a whole staff of lawyers and it seems they all agree on this matter at least. The fact that you can't find a consensus of opinions among the lawyers you spoke to should be a hint that it is shakey legal ground at best. I don't know what to say about a lawyer who wouldn't recommend it, yet he would do it himself. I guess it's kind of like a doctor telling you not to smoke, and yet he smokes himself. I'm glad though that you take as many precautions as possible, that was the real point of this thread anyway. Now get some sleep. ;-)