That probably explains the company's move to stop accepting credit cards for its resellers’ purchase of Dynamics products as of November 1. It seems likely that the move stemmed from a desire to save the merchant fee applied to all those purchases. Since the results for the first quarter ended September 30 showed a more than $2 billion decline in revenue and $800 million drop in earnings, everyone has probably been ordered to save.  It could be an extremely frugal Convergence users' conference this spring.