You have designed your i.t. and processes to be most efficient for you and not at all convenient for me. Have you ever done walk-throughs from a customer perspective? have you analysed individual customer complaints or do you just look at the overall score? Who in their right mind has such a complicated password requirement; even my bank is not this complicated, you are just an insurer! Don't you look at what is normal across the competitors and other industries and what customers expect and find Intuitive? I have been an Admiral customer for a number of years but I have finally had enough. Never again and I will share my thoughts