OMG!!!!!  This total [***] was explaining these options to me, I was asking questions, he got pissy, and as I was telling him I appreciated his help, this FLAMING [***] hung up on me!!!!!  Who does business like that!!!???  What COMPANY is this and WHO owns it?????  When you try to call back...the only option is to select "do not call me", but you cannot get a live person!!!