Well, people will be people, true... Me? I never loan. It's less on my mind to give and simply go replace it. I find that with tools, books, DVD's and the like, they all fall into the ol' addage, "The Road to Hell is Paved Wih Good Intentions." I don't think they really even remember "borrowing" it, much less even think about bringing it back. And Theo? I have to admit... The guy I bought the subscription for? I got my CC from...
