Technology! It would probably take less time to withdraw cash from the bank & take public transportation to northern New Jersey to deliver it than it's so far taken trying to get set up to transfer it online. Is this what putting together Ikea furniture is all about? Why do they think one instinctively knows how to go from step to step? Why is my wifi still off? And why do I keep trying the same steps & ~ surprise! ~ arriving at the same dead?