Nail on the head. My old carrier (actual mail man) retired a few years ago, downhill fast since then. He gave a shit. Now they don't. The only thing that keeps them afloat is the junk mail, they readily admit that fact. "Neither snow nor rain nor heat nor gloom of night stays these couriers from the swift completion of stuffing my mail box full of pizza and window installation ads." By the way, I make my own pizza, and already replaced my windows myself. Sometimes I send window financing coupons to the pizza people, telling them that fact, using the pre paid envelope. I also like to send pizza coupons to the window people. Maybe they are hungry. Credit card offers, several each day? Meh. My Irish grandpa taught me an easy lesson about money. It's called CIF financing. If you don't have Cash In Fist you don't really need to fucking buy it.