The Federal Communications Commission has declared war on the practice of telecom carriers surreptitiously nickel-and-diming their customers through a practice called "cramming." This refers to those nagging mystery charges that pop up on many consumers' telephone bills -- some 20 million people all together, the government agency has estimated -- that range from 99 cents to $19.99 or even more. They are vaguely worded or inconspicuously placed -- or both -- but the bottom line, no pun intended, is that consumers are charged more than they should be.