This combination is sure to make this entity a household name in far less time than the eight or nine years it took the top search engine to get where it is today, at a stock price around $400 per share, and it did no advertising, relying only on word or mouth imagine how quickly that time span can be reduced with multimedia marketing and sales persons in the field. Of course, should the credit card companies choose to keep the savings, rather than pass them on to their customers, then consumers will be left with no benefit or protection at all.