Well, after a dozen attempts (over about 4 hours) at trying to purchase, (kept getting an error message), I finally made it past the error I was getting and it looked like the purchase was going through. After another 5 minutes of watching the "purchasing" status bar fill up, it came back. "This transaction could not be completed because your credit card bank has flagged this purchase as a possible fraudulent purchase". WTF! argh.
So, I try yet again. This time it comes back "Thank you, your subscription has not been completed because Steam is too busy to process the transaction. However, you can play Half life 2 in the meantime, and we will get back to you with the results of your transaction."
So, now I'm off to download the 4gb's (I know, why didn't I pre load?) and I guess as long as my transaction isn't denied (there's no reason it should be), I guess I'll be playing sometime in the next two weeks
Oh how I miss the good old days when I could plop a cd in the drive, install it, and play. *sigh*