I don't know why I was flagged to be required to send a pic of my license. I didn't want to do that and waited a while before applying again. After giving every info they wanted, they still wanted a pic of my license, so I gave up. I did chat with Green Bank reps. They were good in the beginning but they were noticeable not as good later on. Others have told me the same, saying they sounded burnt out. Maybe it's better now??