(You are referring to the original title.) Actually, no. Even if one does accept the premise that one should use these third-party non-contracted services, ch

(You are referring to the original title.) Actually, no. Even if one does accept the premise that one should use these third-party non-contracted services, challenged elsewhere in this very discussion, there's no reason that one need have these things memorized. Written in a handy pocketbook, perhaps. But not necessarily memorized.