All I can say is OMG....It doesn't pay to save for your future...you're better off spending every bit of your paycheck each month and if you have any extra, give it to your children for their bank accounts. This is utterly ridiculous!! I'm speechless....... I'm sorry for all the hassle you've had to go through Jeanie just to be told no anyway....what a total waste of time, energy and brain cells. I hope Chad has some answers/solutions for you tomorrow.......OMG.....Jamie