Taking A Bite Out Of Restaurant Bills

James Abernathy heads a financial public-relations firm with such well-heeled clients as Volvo and Avon. Still, he winced as he started to sign the $100 business-lunch tab at a posh restaurant near his Manhattan office. "Wait, see if they take this," said his guest, holding out a silver-gray card. "If they do, the bill is only $75."

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