It is pretty obnoxious, but I think most of us understand why they are doing things this way, it's just a shame it's not more obvious up front. FWIW it only to

It is pretty obnoxious, but I think most of us understand why they are doing things this way, it's just a shame it's not more obvious up front. FWIW it only took me about one week to get approved and there was no difficulty in it, I just put in two tickets and that was it.