This concept is great. However the security is non existent. With the right information about you, anyone can impersonate you. now that everything is being reported to the IRS which I think it should be it could be detrimental to other people people like me who are disabled and that affects our insurance and our check. It's difficult to get a hold of anybody or dealing with customer service is like having sex through a drive-thru. Unsatisfying and frustrating