Let me just say at TD I have had a few things change in my account that should not of happen. My paper verse paperless settings have changed out of the blue? I have 3 accounts with them..... I have also had 1 account drop out of the combine account area for whatever reason and I have been getting letters every so often from TD stating that when they send email to me that it is bouncing back to them? I find this a bit strange especially when I use software such as Webroot's Complete and Voodoo Shield to state the minimum.