New customers, old customers and everyone in between should always be up to date on our policies and procedures. This section of our site is dedicated to helping everyone get the most current information. There is a tremendous amount of information below for you to take in. Think of it like when you sign up for a service on-line and then they ask you if you have read through their user agreement and you just click YES but really never read any of it. Please don't do that here. Take your time and read through ALL the info below. Just don't do it all at one time because that would bore even ME to death. Maybe read a section each day, maybe make it part of your morning ritual. However you do it, please power through all of it.