Hmm, but if you look at my definition, I don't include Y in the bad letters. As a matter of fact, according to the chart I linked to, Y is more frequently used in English than F or V. But according to your definition of what bad letters are, then you are right.

Either way, btrader is right... we arguing over +/- $10-$15 bucks. On small transactions, that's nothing, but when you're buying bulk, different story.