It is a rare occasion for me to spend this kind of time saying negative things about people or things. I must admit upfront that I was never actually a customer. I was too disgusted with the application process to ever actually be a customer. Seems to be more of personal information gathering apparatus than anything else. With a few modifications, It could easily be used as an instrument to measure frustration tolerance. I am glad I took the time to write a review because I saw all the negative reviews along the way. I rest assured that it wasn't "just me"... looks like the thing sucks as bad as I thought... maybe even worse (that would be hard). I do highly recommend it to those who enjoy frustration and disappointment.