I took out another website address and even though I already had Microsoft 365, I was asked to sign up the new website with Microsoft again. Hence, I did, unknowing that I would be billed quarterly $480 that is part of a one year subscription to the Microsoft 365. Apparently it was a Business Account, which was fine, but the billing was not explained. It is probably my fault, but it has been impossible to speak to a business representative from Microsoft. Microsoft needs to understand that their customers are not all fluent in "Tech Language" and cannot navigate their complex dispute methods.