but policy still has to stay front and center. ruby, thank you. what the heck happened at that ralph northam press conference and why reporters didn't find his yearbook before now. much more in a moment. absolutely not paying r card, bm an annual fee. discover has no annual fees. really? yeah. we just don't believe in them. oh nice. you would not believe how long i've been rehearsing that. no annual fee on any card. only from discover.