Well the CM who seemed like he knew everything said it was an AP rate. But later called it a direct rate. I am now suspicious. I was given this same rate (don't know if it was with this code or not) a while back for the Poly also being told it was an AP rate, but when I called back I was told it wasn't. It didn't require a PIN though. I am sorry if I got everyone's hopes up, but I asked if AP rates were out and I was told that they were. If this is some private code, everyone please forgive me. THEY SAID IT WAS THE AP CODE!!!