I used to hop in my car, drive a couple of miles and talk to Michael. Life was good. Then they closed the office. The next closest office was a 50 minute drive. But I could call them on the phone and in seconds talk to someone at that office. Life was OK. Then they closed the office. I now sit on the phone hearing "We are experiencing longer than normal wait times. The current wait time is 60 minutes." I can't type in my account number, the phone system rejects it. I can't get the answer to my question online. I've searched for hours. My phone has been on hold for almost 70 minutes as I type this. This is NOT what I signed up for. In the mean time I am losing time, money and patience. At my age, all are precious.