I took advantage of a 30-day free trial offerred by MSN/American Greetings on October 31. Three days later, I cancelled. Their policy states, "Trial Periods: In order to allow our customers an opportunity to sample our Products and Services, occasionally we offer trial periods during which customers register for a Subscription and enjoy all of the Subscription benefits. If you sign up for a trial period and cancel during the trial period the payment information provided will not be billed. " Well they did bill me and are now refusing to refund. Just try to reach a live person at Microsft to address this joint promotion with. American Greetings? I believe the mafia has gotten out of garbage, gambling and prostitution. They've taken over American Greetings.