| Wow, Kristoffer, I appreciate you demonstrating your knowledge of how our system works by spamming an untried MLM scheme in my thread!  
 Especially since my thread is about Commerce Accounts, which have no set up fees and aren't charged in anywhere near the same manner as Personal Accounts!  You win the prize, especially since I tried to be nice to you and you continued to show your genius for me!
 
 FTVGirls -- we've made some changes to the verification process -- HOWEVER -- and I cannot stress this enough -- any core changes to processes that we use have to be approved by both our banks and by Visa before we can implement them.  We have worked very closely with Visa for the last couple of years to get this system in line with what they consider to be correct from both an issuing and an acquiring standpoint.
 
 We have also learned some things via trial and error, both our own and our competion's (though our competition is getting out of adult so that's kind of a moot point now) -- and we will continue to learn and develop new interfaces, programs and applications for the ePassporte system.
 
 I wish we could just snap our fingers and make it so right this minute, but we've got to go one step at a time and get approval on every step.
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