Nothing better to cuddle with

The following is from a perfectly legitimate e-mail from my perfectly legitimate credit card company. It is not spam.

"Dear Dan Gordon
RE: Your account number ending in xxxx

Need extra cash this winter? Enjoy the warmth of a balance transfer. With a click, you can ..."

I've often had the thought, on those cold winter nights, "Hot cocoa sounds fine, curling up under a fleece blanket sounds nice and all, but what I really wish I had right now is a balance transfer." What could be warmer than that? I mean, really.