Last October I was coming home on the 401 and hit Toronto at 1:00PM. I never even had to drop off the cruise once on the entire time through the city. Middle of the day is best. I took 407 one time with only my car and the bill came 2-3 months later. They would only accept Visa or Master Card. I had Amex and Discover. I offered to send a check but they couldn't accept that. After consulting with the mgr. for 5-7 minutes she came back and said just forget it. I avoid it at all costs with a MH because they can fine you $250 for not having a transponder.