Convenient payment solution with traceability In most situation, you would use CC as your recurring expenses that you can pay it off on your monthly income/cashflow.Fixed LiabilityFor mortgage debt that has a long term maturity (25-30years), it helps to alleviate your cash outlay if you use it right.

Under the Fair Housing Act, housing providers have a further obligation to accommodate people with disabilities who, because of their disability, require trained service dogs or other types of assistance animals to perform tasks, provide emotional support, or alleviate the effects of their disabilities."

I expect the "temporary" removal of Chat was to alleviate the load issues at the site.Scott - Are you planning to run the chat server (XMPP - hint, hint) in a separate instance to not impact the forums and blog?