This is not an intuitive application. My X and I stopped using it because it didn't make sense and wasn't helpful. Please make sure you cancel before they charge your card again for the annual fee. I stopped using it and forgot that there is an annual charge. The day they charged my card I asked them to cancel. They refused to stop the charge and locked me into another year (that I wont use). And at a higher cost than I initially agreed to. Disappointing experience and they will never see another dime from me.