From the online directions, it is unclear that "I am not paying $500 monthly" when, in reality, I pay ever time I get an invoice and that is quarterly. The language and the directions are sloppy, and the first I ran accross them in paying my quarterly invoice caused me to not set-it-up (i.e., the auto-pay) because of that loose and mis-leading language which caused me to hesitate and not act. Nick