Along with what Phlab said, be aware of the time bank you are accepting. Personally I don't believe in TO's, so I don't get into those kind of games. We all have different demands on the schedules of our private lives and I don't think we should be chasing the RHP time clock. And if challenged with a game with a time bank I don't care for I PM the person and let them know that I will only play if they ignore the time bank. If not we need to delete the game before it goes on any farther.