Regarding the last person who commented: If you receive a call from someone and the first thing they say is, "can you hear me?", do NOT say "yes". This is a new scam - they are recording your voice saying "yes" and using it to take out credit accounts.
Hey, since you believe that, I have a bridge in Brooklyn that I would like to sell you, cheap, its a great deal, you can make all your money back by charging a toll to get over the bridge.