It's a nightmare alright. I'm handicapped and maybe a lttle older then some folks. I can't work and am not old enough for social security. I need every dime I make. I have gone to VeRo through a fax now. California I suppose. They are 3 hours behind us in Florida. I spent $10.00 making copies trying to figure out VeRo and having an office supply store fax the info to VeRo which I suppose is on pacific time too.