THERE IS ALWAYS AN ISSUE SIGNING IN ON YOUR SIGHT...NOT RECOGNIZING USER AND/OR PASSWORD ....NOT USER FRIENDLY FROM STEP ONE...TOO TIME CONSUMING....WITH THE FEES YOU ALL CHARGE, YOU CAN DO BETTER...MAYBE THAT IS THE ISSUE, THE PEN HEADS DESIGNING THE SIGHTS ARE NOT IN TOUCH BECAUSE THEY ARE PEN HEADS...JUST SAYING!!!! VALUE FOR MONEY.... "G R E E D Y" PRODUCT DIVERSITY... "GREED" MOST OF YOUR CLIENTS ARE PEOPLE WHO ARE STRUGGLING AND YOU ALL MAXIMIZE THAT AWARENESS AND MAKE IT MORE DIFFICULT FOR US TO GET AHEAD OF OUR SITUATION!!!! User's recommendation: BE READY TO SIT A WHILE AND RETRY, RETRY AND RETRY.