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Mar 29th 2010 7:58AM I have never heard of a "four-percenter" before but my hubby and I fit the profile just about perfectly. I rarely use a travel agent and do nearly all my own booking on line with the exception of plane tickets for some of the harder to get to destinations where a travel agent can sometimes get a better price or be able to have all flight segments from different airlines on one ticket (protects you from rebooking at last minute prices if one flight is delayed). And even if I do this I have already figured out exactly which flights we want to be on to minimize jet lag. In response to Phil, if one books directly with the airline or with the hotel or with the car rental agency then they are not using a travel agent but rather an employee of these companies.