[pyotr]

arianeira - I think you've figured it out! Why couldn't the customer service reps figure this one out and simply tell me that also? So maybe I'm the idiot here, but still, I think the Emigrant people should have directed me much better than they did. Maybe I should try Emigrant again, but I think I'll wait and watch how Emigrant's business and service/marketing evolves over the next year before changing banks.