They tease you with higher rates, you attempt to create an account but can't for whatever reason, so you call, and get NOWHER! 1 1/2 hours of recorded crap, then it rings, and rings, more recordings, more rings, and no one ever picks up! I hung up after 2 hours! Imagine trying to cash in a bond... Is no one trying to fix this joke of a system? Our government doesn't care about the little guy, simple as that!