Investing is quite easy, but you don't get much of your money back, to the point that you start to question the legitimacy of the website. The phone is 'no longer functioning' and the personal advisor stops being available. Email communication is also slow, and until A/C/ T/ I /N/ V /S /T/ L/ T /D/.COM gets in and expeditiously gets my refund for me, the situation remains unresolved. Overall, this has been a very discouraging experience for me. Unexpected extra procedures that I was not previously informed about and which require additional outlay and fees have also appeared.