Authorize.net problem

Hi,

Am new to RoR and am trying to use the Payment gem. Am currently trying
to test my implementation by making test transactions.

Here is output from my debug log:
#<Payment::AuthorizeNet:0xb73a5850
@test_transaction=true,
@password=“secret”,
@state=“IL”,
@last_name=“Pine”,
@delim_data=“TRUE”,
@amount=6.0,
@version=“3.1”,
@prefs=“script/…/config/…/config/payment.yml”,
@city=“Chicago”,
@first_name=“Joe”,
@type=“normal authorization”,
@expiration=“1/2008”,
@required=[],
@country=“United States of America”,
@url=“https://secure.authorize.net/gateway/transact.dll”,
@card_number=“5424000000000015”,
@login=“8888888888”,
@zip=“43567”,
@address=“13789 E. Elma”,
@relay_response=“FALSE”>

When I do a transaction.submit my transaction fails and when I try to do
this:
puts “ERROR: #{transaction.error_message}”
I get
ERROR:

I get nothing back and my transaction fails. I am trying to understand
why my test transaction is not going through and what I am doing wrong.
Any ideas?

-Thank you.