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This is a very useful and helpful service for anyone but especially for people that are disabled. You can pay all your bills and do almost all your banking right on the phone. It is fast and easy and I have used it for 4 years and have not had any mistakes made at all. The operators are there if you need them to help you and they are very fast and friendly. I would reccommend this to anyone it saves alot of stamps and alot of running around. This is a great service and you do not pay outrageous fees for this.