Thanks Karen! Stackmonster: note that we do view Double Dipping when not disclosed as "unethical", but in no sense did we make that statement on the whole industry. There are an increasing number of cash advance companies and lenders that do not double dip (or at least offer products that don't double dip). And DD does occur similarly in both cash advances and loans, and it is clearly stated that the example was a loan; but the application is similar because there is no "time" component to the total cost calculation.