UA, you remind me of the Direct TV settlers commercial. "Now mother, we are Settlers, I've settled for a rubber band all my life. I don't need a wallet. We find our satisfaction elsewhere."
Geez UA, with the money you are saving on your student loan payments, you think you could buy one skimpy little wallet? Get rid of the rubber band and you will still own 150 items......you do count the rubber band don't you?