Wow, I know why they never ask you to rate their service when you call! I called over 2 weeks ago to get a new PIN to access my account. They would only send it via postal service, even though they ask 10 questions to verify who you are. Still have not received it. The online form to change your password has not worked for over 2 months, which I also told them. I have now been on hold for 37 minutes. Imagine if I were able to sue for the downturn in my retirement account because I could not access my account to make changes? Maybe I can, I may just have to call a lawyer. I don't understand why a huge company like SPGlobal would utilize a company with such poor service.