It’s official. My readers are the best, and not bad-looking, either. Not only are you loyal, but you’ve also made mail time the high point of my days. Your letters and tips are great, and when you send in advertisements, credit offers, and consumer rip-offs, it tells me you’re paying attention. It appears you are getting very good at it, too. Realizing it is the season for awards shows, I thought today I’d hand out a few awards of my own: To Richard and Olive of Ohio goes our coveted Most Conveniently Missing Information Award for their entry of a double-sized postcard received from Peoples Savings Bank. Judges were amazed by this entry’s brevity (62 words total) and the complete absence of fine print. The message: “Your Overdraft Privilege on your checking account is available when you need it. With your Overdraft Privilege, you can overdraw your account up to …