Let's start with their deplorable payment website. MOST sites, when you make a payment, the button turns green or blinks, or says "are you sure, blah, blah" then you press "verify". This site looks like it's frozen, then you can mistakenly make a double (or more) payments without even realizing it. There is no bounce back text saying "thanks for the payment", then when I called the representative (after unknowingly making a double payment online, they could not "see" anything, so I made a 3rd. They sucked all three payments out within 24 hours, but wont send anything back until after 16 days. REDICULOUS! Maybe thery can hire an individual to actually work on their payments website and make it user freindly.