tigger1, if you can, just call the number. it might take a bit to get thru, but it ended up working out way better than online. online I kept having it freeze up and I think I spent an hour trying to add things/try to check out before it crashed. calling took me about 15 minutes to get thru to being on hold (redial, redial, redial), then on hold for about 15 minutes, then DONE.