For JDB:
i am presupposing that you are the scientific, numberz, 'puter type of guy like many of us, but this 'need' gave me a great idea for credit usage. i guess there are a lot of folks out there who are the 'artistic' type and would like to dress up their screens with logos and pictures and stuff (or, as in my case, little memory aids) and would use credits in that way.